CARRIER PARTNER
Berkshire Hathaway GUARD Workers’ Compensation
Small-business comp with the Berkshire Hathaway balance sheet behind it — placed through our independent agency.
Founded
1983
AM Best Rating
A+ (Superior)
Best For
Main-street & light trades
Pay-As-You-Go
Yes
About Berkshire Hathaway GUARD
GUARD Insurance Group began writing workers’ compensation in Pennsylvania in 1983 and joined Berkshire Hathaway in 2012. Today Berkshire Hathaway GUARD writes comp nationwide for small and mid-size businesses, with the A+ (Superior) rating and capital strength the Berkshire name implies.
GUARD is an agency-distributed carrier — it works through independent agents like us rather than selling direct — and it has broad appetite across main-street classes: restaurants, retail, offices, light manufacturing, and many contracting trades that direct-to-consumer carriers avoid.
Why businesses choose Berkshire Hathaway GUARD
Berkshire-backed, agent-placed
Berkshire Hathaway strength delivered through independent agencies that can actually advocate for your account.
Trade-friendly appetite
Writes many light and medium contracting classes that insurtech and direct carriers exclude.
Competitive small-business rates
Consistently sharp pricing on restaurants, retail, offices, and service classes.
Multi-line bundling
Comp can pair with GUARD’s BOP, commercial auto, and umbrella for package pricing.
Billing and pay-as-you-go options
GUARD offers installment plans and pay-as-you-go billing through payroll integrations, keeping premium synced to actual payroll. Down payments are modest, and the audit process is straightforward when payroll reporting has been current all term.
Who Berkshire Hathaway GUARD fits best
GUARD is often the winning quote for main-street businesses and light-to-medium trades — especially accounts that want Berkshire-grade financial strength without direct-carrier limitations on contracting classes. Heavy construction and large complex accounts still tend to land with our national markets.
Is Berkshire Hathaway GUARD the right carrier for your business?
No single carrier wins every class code in every state. As an independent agency, we quote Berkshire Hathaway GUARD head-to-head against the rest of our carrier lineup — so you see who actually prices your payroll best.
Berkshire Hathaway GUARD workers’ comp FAQs
Is Berkshire Hathaway GUARD a good workers’ comp carrier?
Yes — GUARD is rated A+ (Superior) as part of the Berkshire Hathaway Insurance Group and specializes in small-business workers’ comp, including many contracting trades that direct-to-consumer carriers decline.
What’s the difference between GUARD and biBERK?
Both are Berkshire Hathaway companies, but biBERK sells direct online for the simplest classes, while GUARD distributes through independent agencies and accepts a broader range of trades. We quote whichever fits your operation — often both.
How do I get a GUARD quote?
GUARD only sells through appointed independent agencies like Provident Financial Group. One application gets you GUARD plus our full carrier comparison — call 866-964-6660.
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