Berkshire Hathaway GUARD Insurance Companies
|Founded||Wilkes-Barre, Pennsylvania, United States (1982)|
|Services||Commercial Property and Casualty Insurance|
|Revenue||over $500 million|
Berkshire Hathaway GUARD Insurance Companies are A.M. Best rated A+ (“SUPERIOR”) and specialize in providing insurance coverage to small- and mid-sized businesses across the country. Products are available through the independent agents and brokers representing the company. In 2013, Berkshire Hathaway GUARD’s insurance subsidiaries (AmGUARD, EastGUARD, NorGUARD, and WestGUARD Insurance Companies) insured 73,000 businesses.
In July 1982, the company's original subsidiaries were formed. One year later, the first insurance policy was issued, and about a half million dollars in premium was written throughout 1983. During that time, the company employed 15 employees and occupied just the top one and a half floors of the current corporate headquarters in Wilkes-Barre, Pennsylvania.
During the initial 10 years, direct written premium rose to approximately $50 million. The $100 million mark was reached at the turn of the century, and the company produces about five times that amount today.
Starting as a Pennsylvania-based carrier, Berkshire Hathaway GUARD added Maryland in 1986. In the 1990s, the company entered the New England region as well as the rest of the Northeast. The Southeast and Midwest came next followed by almost a dozen other states, including Florida, California, and Texas. (The company is currently licensed in all non-monopolistic, continental states.)
To facilitate expansion, the initial insurance company, AmGUARD, was joined by NorGUARD in 1988. Then, EastGUARD became part of the group in 1995, and WestGUARD was added in 2004.
Berkshire Hathaway GUARD’s Businessowner’s Policy is currently available in California, Georgia, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Tennessee, and Virginia. Plans for expansion into additional states are underway. All the major business property and liability coverages are included with the availability of specialized and customizable coverages and increased limits.
Berkshire Hathaway GUARD’s Commercial Auto Policy is currently available in New Jersey, Pennsylvania, and South Carolina. Plans for expansion into additional states are underway. The policy includes liability, physical damage, and statutory coverages with optional increased limits and a stretch endorsement available.
Commercial Liability Umbrella/Excess
Berkshire Hathaway GUARD’s Commercial Liability Umbrella/Excess Policy is currently available in California, Georgia, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Tennessee, and Virginia. Plans for expansion into additional states are underway. The product can be attached over a variety of liability coverages.
Through a group of volunteers called the Special Projects Committee (SPC), employees contribute their money and time, including "work hours," to community-based activities. One example of their accomplishment is participation in the United Way’s “Christmas-in-July” program across a 25-year period; during that time, well over 150 tons of food were donated to kitchens, shelters, and food banks. Berkshire Hathaway GUARD also has a foundation that matches employees' contributions and independently supports select civic organizations and educational institutions.
The first building housing Berkshire Hathaway GUARD’s corporate operations is the former Lehigh and Wilkes-Barre Coal Company building in Wilkes-Barre, Pennsylvania. The structure was built in 1908 in an unprecedented speed of 90 days.
Various Recognition and Rankings
Berkshire Hathaway GUARD was named a Ward’s 50 Top Performer for 2012, a distinction placing the company within the top 2% of all property and casualty insurance companies nationwide. 
Selected by Celent, Inc., an international strategy consultancy, to be included as a case study in their Model Carrier Report in January 2007, as a part of their mission to help leading financial institutions sustain a competitive advantage.
Ranked 32nd among all providers of Workers' Compensation insurance in the United States.
Among the top 20 providers of Workers' Compensation insurance in 12 states.
Among the top 10 providers of Workers' Compensation insurance in five states.
Recognized by A.M. Best Company as an e-Fusion Finalist in 2004 — a national awards program which spotlights innovative uses of technology to address insurance business challenges.
Honored in November, 2001 as the #2 Best (Large) Place to Work in PA.