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
InterGuard is part of Berkshire Hathaway GUARD and its producer-facing guidance is housed on the Agents & Brokers portal. Current published agent guidance emphasizes Workers’ Compensation as an anchor line with a broadened small-business appetite, streamlined submissions, and digital decisioning for many accounts. Preferred/target WC segments publicly listed include artisan contractors, auto service/repair, hotels/motels, professional offices, restaurants, retail/grocery, and other service-related risks. Recent producer updates state GUARD added 150+ new eligible WC class codes, including some riskier classes not traditionally considered, with state variation; over half of submissions with premiums up to $50,000 are expected to be digitally decisioned/straight-through quote-bind, and the carrier’s goal is to expand that further. Coverage and pricing are state-specific and subject to company underwriting guidelines; agents are directed to use the Appetite/State Snapshots tool and consult the dedicated underwriting team because exceptions may apply. Geographic notes: GUARD’s operating-area page confirms product availability varies by state; WC is offered by state/product availability map, and all products are not available in all states or to all applicants. Homeowners is part of the broader product portfolio, but no verified public underwriting/appetite guide for Home was found on the official site during this refresh. Submission expectations and producer instructions: use the Agency Service Center/quote platform, review Appetite/State Snapshots for state-level appetite, and note recent submission simplification with fewer unnecessary questions plus some class-specific questions. GUARD also highlights third-party integrations, automatic application of experience mods, comparative rating support, flexible pay-as-you-go/self-reporting billing with low-to-no down payment and no installment fees, and available loss-control/safety resources that can support pricing. Restricted/declined classes: no comprehensive public decline list was verified on official pages; the published guidance only notes that appetite varies by state, exceptions apply, and some classes still require underwriting review. Broker notes: GUARD supports the independent agent/broker channel, offers direct appointments and wholesale partnerships, and promotes the 60-Second Appetite Check plus state snapshots for pre-qualification before submission.