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AmGUARD Insurance Company, formed in 1982, is a subsidiary of WestGUARD Insurance Company, operating under the trade name Berkshire Hathaway GUARD Insurance Companies. AmGUARD provides a range of commercial and personal insurance products, including business owner's insurance, commercial auto insurance, homeowners insurance, and professional liability insurance. The company is licensed to transact business in all U.S. states and the District of Columbia. In recent years, there have been reports of AmGUARD Insurance Company leaving the homeowners' insurance market in certain states, such as Texas.
| Characteristics | Values |
|---|---|
| Year of Formation | 1982 |
| Parent Company | WestGUARD Insurance Company |
| Trade Name | Berkshire Hathaway GUARD Insurance Companies |
| Principal Place of Business | 39 Public Square, Wilkes-Barre, PA |
| Licensed to Transact Business | All U.S. states and the District of Columbia |
| NAIC Company Code | #42390 |
| Insurance Types | Commercial, Personal, Businessowner's, Commercial Auto, Commercial Excess Liability, Commercial Package, Commercial Property, Commercial Umbrella Liability, Disability, General Liability, Employment-Related Practices Liability, Homeowners, Personal Umbrella Liability, Professional Liability, Workers' Compensation |
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What You'll Learn
AmGUARD Insurance Company is a subsidiary of WestGUARD Insurance Company
AmGUARD Insurance Company is a wholly owned subsidiary of WestGUARD Insurance Company. AmGUARD was formed in 1982 as one of the original GUARD companies, alongside InterGUARD, Ltd., a service organization. Together, they traded as AmGUARD Enterprises. In the mid-1980s, the group was renamed The GUARD Network to reflect its expanding scope beyond the insurance industry. AmGUARD Insurance Company is domiciled in Nebraska and licensed to operate in all U.S. states and the District of Columbia. Its principal place of business is 39 Public Square, Wilkes-Barre, PA 18703.
WestGUARD Insurance Company, founded in 2003, is the holding company for several subsidiaries, including AmGUARD Insurance Company, AZGUARD Insurance Company, EastGUARD Insurance Company, and NorGUARD Insurance Company. These companies operate under the trade name "Berkshire Hathaway GUARD Insurance Companies." WestGUARD is also the sole owner of GUARDCo, Inc., a licensed and accredited medical management company.
Berkshire Hathaway GUARD Insurance Companies was formed in October 2012 when National Indemnity Company, a subsidiary of Berkshire Hathaway Inc., purchased the GUARD Insurance Group. The organization was rebranded in 2013 as Berkshire Hathaway GUARD Insurance Companies. In 2014, a corporate restructuring led to the merger of GUARD Financial Group, Inc. into GUARD Insurance Group, Inc., which then became part of WestGUARD Insurance Company.
AmGUARD Insurance Company provides a range of commercial and personal insurance products, including business owner's insurance, commercial auto insurance, commercial property insurance, disability insurance, homeowners insurance, and workers' compensation insurance, among others. The company caters to the unique insurance needs of artisan contractors, offering comprehensive protection for their businesses, employees, and property.
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AmGUARD provides commercial and personal insurance
AmGUARD Insurance Company is a wholly owned subsidiary of WestGUARD Insurance Company, operating under the trade name "Berkshire Hathaway GUARD Insurance Companies". AmGUARD was formed in 1982 and is domiciled in Nebraska. It is licensed to transact business in all U.S. states and the District of Columbia.
AmGUARD provides a range of commercial and personal insurance products. On the commercial side, they offer Businessowner's Insurance, Commercial Auto Insurance, Commercial Excess Liability Insurance, Commercial Package Insurance, Commercial Property Insurance, and Commercial Umbrella Liability Insurance. These options allow businesses to protect their interests under one roof. For instance, AmGUARD can safeguard a company's employees, protect its property, and ensure financial preparedness against potential liability issues.
In addition to their commercial offerings, AmGUARD also provides personal insurance products, including Homeowners Insurance, Personal Umbrella Liability Insurance, and Disability Insurance. These policies are designed to protect individuals and their assets, offering financial protection in the event of property damage, liability claims, or disability.
It is important to note that there have been reports of AmGUARD Insurance Company leaving the homeowners' insurance market and no longer writing admitted Homeowners or Personal Umbrella policies in certain states, such as Texas. Prospective customers should refer to the company's latest updates and ensure they are informed about the availability of policies in their state of residence.
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AmGUARD is licensed to operate in all US states and DC
AmGUARD Insurance Company is a wholly owned subsidiary of WestGUARD Insurance Company, which operates under the trade name "Berkshire Hathaway GUARD Insurance Companies." AmGUARD is domiciled in Nebraska and licensed to operate in all US states and the District of Columbia. This means that the company can provide insurance services to customers across the entire United States, making it a widely accessible option for those seeking insurance.
The company's principal place of business is located at 39 Public Square, Wilkes-Barre, PA 18703. AmGUARD offers a range of insurance products, including commercial and personal insurance. Their product suite includes various types of insurance policies such as business owner's insurance, commercial auto insurance, commercial property insurance, homeowners insurance, and more.
AmGUARD's parent company, WestGUARD Insurance Company, is a well-established and trusted name in the insurance industry. As a subsidiary, AmGUARD benefits from the financial stability and expertise of its parent company, allowing it to provide reliable and comprehensive insurance services to its customers. The company's ability to operate in all US states and DC demonstrates its commitment to serving a diverse range of customers across the nation.
However, it is worth noting that in 2025, there were reports of AmGUARD Insurance Company leaving the homeowners' insurance market in Texas, with some customers receiving notices of non-renewal for their policies. This change may have been due to the challenges of covering certain risks in the state, such as hail damage to roofs, as mentioned by one customer. Despite this adjustment in Texas, AmGUARD remains licensed and equipped to serve customers across the country, adapting to the specific needs and regulations of each state.
Overall, AmGUARD Insurance Company's presence in all US states and DC showcases its broad reach and ability to provide insurance solutions to individuals and businesses nationwide. Its licensing and operational capabilities underscore its commitment to protecting its customers' interests and ensuring they have access to the necessary insurance services, regardless of their location within the United States.
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AmGUARD offers insurance for artisan contractors
AmGUARD Insurance Company, a subsidiary of WestGUARD Insurance Company, offers a range of insurance services, including tailored insurance for artisan contractors.
Artisan contractors face unique risks and challenges in their work, and AmGUARD's insurance offerings aim to provide comprehensive protection. The company understands the importance of safeguarding employees, protecting property, and ensuring financial preparedness against potential liability issues for artisan contractors.
AmGUARD's insurance for artisan contractors covers various aspects. Firstly, it offers protection for employees, recognising that the well-being and safety of employees are paramount. This includes coverage for injuries, disabilities, and other employment-related practices liability. Secondly, AmGUARD insurance safeguards property, both onsite and offsite. This includes coverage for commercial property damage, ensuring that artisan contractors are protected against financial losses due to property damage.
Additionally, AmGUARD's insurance provides financial security by offering liability coverage. This includes general liability, commercial umbrella liability, and employment-related practices liability. This comprehensive liability coverage helps artisan contractors mitigate potential financial risks associated with their work. AmGUARD also offers commercial auto insurance, recognising the importance of protecting vehicles and equipment used in the contractor's business.
With its principal place of business in Wilkes-Barre, Pennsylvania, and licensed to operate across the United States, AmGUARD Insurance Company provides artisan contractors with the peace of mind they need to focus on their businesses, knowing that their unique insurance needs are being met.
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AmGUARD is no longer offering homeowners insurance in Texas
AmGUARD Insurance Company, a subsidiary of WestGUARD Insurance Company, is no longer offering homeowners insurance in Texas. The company, formed in 1982, is domiciled in Nebraska and licensed to operate in all U.S. states and the District of Columbia.
On January 15, 2025, customers in Texas received a notice of non-renewal, stating that their policies would be canceled effective March 26, 2025. The notice explained that AmGUARD would no longer be writing admitted homeowners or personal umbrella policies in the state of Texas. This decision appears to be driven by the challenges of covering claims in states prone to severe weather events, such as hail storms, which can cause extensive roof damage.
The impact of this decision is significant, as it leaves Texans with fewer insurance options and potentially higher costs. Some customers have expressed concern about the increasing expense of insurance, which could lead to a situation where only a small fraction of the population can afford coverage. This, in turn, may result in banks initiating foreclosure proceedings on existing mortgages and becoming more hesitant to issue new ones. Consequently, only cash buyers or entities with substantial financial resources may be able to purchase properties.
AmGUARD's departure from the Texas homeowners insurance market is part of a broader trend of insurance companies withdrawing from the state. This trend has important implications for the accessibility and affordability of insurance coverage for Texas residents. It remains to be seen how the market will adapt to these changes and what alternatives will emerge for those seeking homeowners insurance in the state.
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Frequently asked questions
AmGUARD Insurance Company, formed in 1982, is domiciled in Nebraska and licensed to do business in all U.S. states and the District of Columbia. Now a subsidiary of WestGUARD Insurance Company, it operates under the trade name "Berkshire Hathaway GUARD Insurance Companies."
They understand the unique insurance needs of artisan contractors and offer a range of resources to help customers manage their insurance.
AmGUARD Insurance Company's principal place of business is located at 39 Public Square, Wilkes-Barre, PA 18703.
Yes, the Policyholder Service Center offers a wide range of resources for customers to manage their insurance policies. However, not all features may be available on the mobile app.
Yes, AmGUARD Insurance Company is one of the original GUARD companies.
