Berkshire Hathaway GUARD Insurance Companies Workers' Compensation Insurance

GUARD Insurance Group was founded in 1983 and is headquartered in Wilkes-Barre, Pennsylvania. National Indemnity Company, a Berkshire Hathaway subsidiary, acquired GUARD in 2012, and the group now operates as Berkshire Hathaway GUARD Insurance Companies. Its member insurers -- AmGUARD, EastGUARD, NorGUARD, and WestGUARD Insurance Companies -- carry an AM Best Financial Strength Rating of A+ (Superior) and a Long-Term Issuer Credit Rating of aa- (Superior), affirmed August 12, 2026, with a stable outlook.

Berkshire Hathaway GUARD writes workers' compensation for small and mid-size businesses across a range of industries, generally distributing coverage regionally under its family of "GUARD"-branded member companies rather than a single nationwide entity. Splitting the group into regional member companies allows GUARD to tailor underwriting and pricing to the specific states and regions each member serves, while still drawing on the same shared claims and safety infrastructure across the group. The group is part of Berkshire Hathaway's broader insurance operations, which also include other carriers such as biBERK and THREE, each run as a separate operation with its own distribution model.

GUARD's workers' compensation program is sold through independent agents rather than directly to consumers, and the group has built a long-standing agency-facing service model around policy issuance, billing, and claims support. An employer can request a GUARD quote alongside other carriers through a licensed agency as part of a single comparison process, with the specific GUARD member company used depending on where the business operates. Because GUARD has been underwriting workers' comp since the 1980s, it brings decades of claims and loss-cost data to its pricing in the states where it is active.