The balance sheet nobody worries about, on a form that underwrites properly.
An honest assessment of Berkshire Hathaway Homestate — commercial auto and workers compensation from one of the strongest groups in the industry, with underwriting that asks real questions and pricing that reflects the answers.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What we place with Berkshire Hathaway Homestate.
Commercial auto
The largest thing we place with them, including trucking risks.
Without it — A market that will underwrite a fleet rather than rate it, which cuts both ways depending on your records.
Workers compensation
Comp alongside the auto, on accounts where both belong together.
Without it — One carrier across the two lines that share a claim when a driver is hurt on the job.
What people ask us about BHHC.
What do you actually place with them?
Commercial auto mostly, with some workers compensation and trucking. The classes are automotive repair, waste collection and drinking establishments.
How strong are they financially?
They are part of Berkshire Hathaway, which is the end of that conversation for most people. The same group is behind GEICO, biBerk and GUARD.
Who would you send to them?
An account with good records that will benefit from being looked at rather than rated — clean driving histories, real safety practice, documented maintenance. The underwriting is a feature if your file supports it.
Why go through a broker instead of buying direct?
Because it does not cost you anything, which is the part that surprises people. Broker compensation is built into the carrier’s rate whether you use one or not — buying direct does not remove the cost, it removes the person being paid to be on your side of it.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.