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" in a workers compensation and homeowners context appears to refer not to a standalone insurance carrier but to InterGUARD, Ltd., a historical service organization associated with the GUARD group of companies (now Berkshire Hathaway GUARD Insurance Companies). Current official materials from Berkshire Hathaway GUARD list AmGUARD, EastGUARD, NorGUARD, WestGUARD, and AZGUARD as underwriting carriers and describe InterGUARD, Ltd. only as a past service entity, not an active insurer. No current, carrier-level underwriting guide, risk appetite guide, or producer submission guidance exists under the InterGuard/InterGUARD name separate from Berkshire Hathaway GUARD. Operational implications: - Treat all underwriting, appetite, and submission rules as those of Berkshire Hathaway GUARD (and its licensed carrier entities) rather than a distinct "InterGuard" carrier. - Workers’ Compensation: BH GUARD is an established national WC writer with a broad appetite for small to mid‑sized commercial accounts written through appointed agents. Target classes, restricted classes, and state availability are governed by BH GUARD’s current WC manuals and bulletins for AmGUARD, EastGUARD, NorGUARD, WestGUARD, and AZGUARD. - Home / Homeowners: There is no evidence of an active homeowners line written under the InterGuard or InterGUARD name. Any homeowners placements would be through other admitted carriers accessed by agencies (including independent agencies that may brand themselves "InterGuard Insurance Services" or "InterGuard Insurance Solutions") rather than a carrier called InterGuard. - Geography: BH GUARD carriers have multi‑state authority; however, eligibility, forms, and programs vary by state and carrier entity. Verify state availability and carrier-of-record (e.g., AmGUARD vs NorGUARD) for each submission. - Producer / broker instructions: Submissions, rating and binding are handled through BH GUARD’s agent portal and standard company workflows. Agencies using the InterGuard name operate as independent retail agencies, not as the carrier; follow each underlying carrier’s underwriting rules. - Practical note: If a risk is described as going to "InterGuard" for Workers Comp or Home, confirm the actual paper (e.g., AmGUARD, NorGUARD, another market) and apply that carrier’s most recent underwriting guides. Do not code or report InterGuard as a separate carrier in systems. Because there is no current, official underwriting or appetite guide published for a carrier legally named InterGuard in the U.S., no more specific preferred, restricted, or declined class lists, nor detailed submission requirements, can be reliably provided beyond the standard BH GUARD materials that apply to their active carrier entities.