Berkshire Hathaway Homestate Companies Workers' comp, Berkshire strong.
Berkshire Hathaway Homestate Companies (BHHC) is a group of commercial carriers within the Berkshire Hathaway insurance organization, best known for its workers' compensation and commercial auto expertise. Rated A++ (Superior) by A.M. Best, BHHC combines exceptional financial strength with a disciplined, service-driven approach to insuring small and mid-sized businesses through independent agencies.
What BHHC covers.
BHHC offers commercial coverage designed to protect your employees, property, vehicles, and financial future:
- Workers' Compensation Insurance
- Commercial Auto Insurance
- Business Owners Policy (BOP)
- Commercial General Liability
- Commercial Property Insurance
- Commercial Package Policies
- Business Personal Property Coverage
- Business Income Coverage
- Commercial Umbrella Insurance
Who BHHC fits best.
BHHC is a strong fit for Michigan businesses where workers' compensation is the main event — contractors, light manufacturers, trucking and transportation companies, and service businesses with meaningful payroll. Especially valuable if you want the strongest possible carrier rating behind a comp program.
Businesses BHHC insures.
Industry-specific underwriting means your coverage is built around the risks your operation actually faces — not a generic commercial template.
- General Contractors
- Trade Contractors
- Light Manufacturing
- Wholesale & Distribution
- Trucking & Transportation
- Retail Stores
- Restaurants
- Professional Offices
- Service Businesses
- Agriculture Operations
- Property Owners
- Small Business Owners
What makes BHHC stand out.
A++ (Superior) Rated
A.M. Best's highest financial strength rating, backed directly by Berkshire Hathaway.
Workers' Comp Focus
Workers' compensation is BHHC's core competency, not a line it tolerates to win the package.
Commercial Auto Appetite
Genuine appetite for commercial fleets and trucking risks that many package carriers avoid.
Disciplined Claims Handling
A reputation for investigating and defending questionable claims rather than settling them by default.
Long-Term Rate Stability
Berkshire underwriting discipline means less premium whiplash from one renewal to the next.
Independent Agency Distribution
Available through independent agencies, so your coverage gets shopped against the wider market.
Ready to see what BHHC can do for your business?
We'll quote BHHC alongside 37+ carriers so you can compare coverage side by side.