InterGuard
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified carrier is Berkshire Hathaway GUARD Insurance Companies (GUARD). Public-facing producer guidance is centered on the Agents & Brokers page plus the Agency Service Center/State Snapshots tool rather than a fully public class-by-class appetite guide. Current published appetite indicates a small commercial focus with targeted Workers’ Compensation classes including artisan contractors, auto service/repair, hotels/motels, professional offices, restaurants, retail & grocery stores, and service-related risks; GUARD also highlights broader small commercial solutions around contractors, habitational, offices, restaurants, retail, and service businesses. Workers’ Comp positioning emphasizes value-added loss control, medical management, return-to-work, nurse triage, premium audit/self-service tools, flexible payment options including pay-as-you-go and self-reporting platforms, and potential premium discounts for characteristics such as drug-free workplace or formal safety programs. Geographic guidance: product availability varies by state and GUARD instructs agents to use its Operating Area page and State Snapshots by state/product; the public state snapshot tool expressly says it is only a guide and exceptions may apply, with questions directed to the dedicated underwriting team. Homeowners guidance appears consumer-marketing oriented rather than broker underwriting appetite: published forms include HO-02/03/05 for one- to two-family dwellings including townhouses/row homes, with owner-occupied and seasonal/secondary dwellings considered; HO-04 renters and HO-06 condo/co-op unit owners are also described, with preferred pricing noted for new buildings and homes under 15 years old. No official public page reviewed provided a detailed declined or restricted class list for Workers’ Comp or Home, so those items should be treated as underwriter/state-specific and confirmed through GUARD’s underwriting team or State Snapshot resources before quoting. Broker/producer notes: GUARD supports the independent agent/broker channel, offers direct appointments, and promotes GUARD E-Z Rate for easy online submissions, digital decisioning on over 50% of submissions, upload/download with agency management systems, third-party rating/API integrations, and self-service endorsements. The Agency Service Center is the operational hub for appetite tools, key contacts, news/alerts, and resources; wholesalers also have a dedicated partnership platform. Submission expectations inferred from published producer materials: use GUARD E-Z Rate/Agency Service Center, verify state/product availability first, consult State Snapshots and dedicated underwriting for exceptions, and expect some business to be digitally processed while more nuanced risks require underwriter review. No verified public carrier page was found with a formal Home underwriting appetite/declination guide.