Berkshire Hathaway GUARD Insurance Companies Small business specialists, Berkshire-backed.
Berkshire Hathaway GUARD Insurance Companies is a leading commercial carrier specializing in small and mid-sized businesses. Backed by the financial strength of Berkshire Hathaway and rated A+ (Superior) by A.M. Best, GUARD has spent more than 40 years building a reputation for outstanding claims service, flexible underwriting, and industry-specific programs sold exclusively through independent agencies.
What GUARD covers.
GUARD offers commercial coverage designed to protect your employees, property, vehicles, and financial future:
- Business Owners Policy (BOP)
- Commercial General Liability
- Commercial Property Insurance
- Workers' Compensation Insurance
- Commercial Auto Insurance
- Commercial Umbrella Insurance
- Inland Marine Insurance
- Equipment Coverage
- Professional Liability (where available)
- Disability Insurance
Who GUARD fits best.
GUARD is an excellent fit for Michigan contractors, small retailers, restaurants, professional offices, and service businesses — especially anyone shopping workers' compensation or a Business Owners Policy. If you're a trade contractor with a clean loss history, GUARD is usually one of the first markets we approach.
Businesses GUARD insures.
Industry-specific underwriting means your coverage is built around the risks your operation actually faces — not a generic commercial template.
- General Contractors
- Electrical Contractors
- HVAC Contractors
- Plumbing Contractors
- Landscapers
- Painters
- Carpenters
- Auto Repair Shops
- Retail Stores
- Restaurants
- Professional Offices
- Medical Offices
- Janitorial Companies
- Grocery Stores
- Light Manufacturing
- Wholesale Businesses
- Property Managers
- Apartment Owners
What makes GUARD stand out.
Competitive Workers’ Comp
GUARD's workers' compensation pricing is consistently one of the sharpest in the small-business market — often the reason we place a contractor there.
Berkshire Hathaway Financial Strength
A+ (Superior) from A.M. Best, behind one of the strongest balance sheets in insurance.
Thousands of Business Classes
Broad appetite across trades, retail, and service classes — GUARD writes a lot of business other carriers make you work for.
Fast Certificate Issuance
Certificates of insurance turn around quickly, which matters when a job site won't let your crew start without one.
Flexible Business Owners Policies
BOP forms that can be tailored by class rather than forced into a single packaged template.
Loss Control Resources
Proactive safety programs and risk management support that help bring your mod down over time.
Ready to see what GUARD can do for your business?
We'll quote GUARD alongside 37+ carriers so you can compare coverage side by side.