LinesWC, BOP, GL, Commercial auto, Umbrella
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Contractors | BOP | Most states | Strong BOP appetite for artisan contractors: cable installation, paving, drywall, electrical, glass and tile, HVAC and plumbing, interior carpentry and flooring, janitorial, landscaping, masonry, painting and paperhanging. Excavation needs underwriter review; roofing and work from heights is limited or no appetite. WC for most of these classes is in appetite with underwriter review (GUARD Appetite Overview, APOV101926, Oct 2026). |
| Contractors | Commercial auto | Most states | Commercial auto is strong appetite for nearly every artisan contractor class listed, including electrical, HVAC and plumbing, landscaping, masonry and painting. Roofing needs underwriter review and excavation is limited or no appetite (GUARD Appetite Overview, APOV101926, Oct 2026). |
| Contractors | Umbrella | Most states | Commercial umbrella is strong appetite for artisan contractors except excavation (underwriter review) and roofing (limited or no appetite) (GUARD Appetite Overview, APOV101926, Oct 2026). |
| Offices | WC | Most states | Professional offices are strong appetite for WC, BOP and umbrella: accountants, insurance and real estate agents, advertising and web design, law offices, medical offices and physicians, mortgage brokers, stockbrokers and travel agents. Architects, collection agencies, consultants and trade associations need underwriter review for WC. Commercial auto for offices is mostly underwriter review (GUARD Appetite Overview, APOV101926, Oct 2026). |
| Restaurants | BOP | Most states | Strong BOP and umbrella appetite for family style, fast food, fine dining, limited cooking and takeout restaurants. Bars and nightclubs, banquet halls and food trucks are limited or no appetite for BOP; catering needs underwriter review (GUARD Appetite Overview, APOV101926, Oct 2026). |
| Retail | BOP | Most states | Strong appetite for bakeries and coffee shops, clothing and jewelry, florists, building material, furniture and variety stores. Grocery, pawn shops and tobacco shops are limited or no appetite for BOP. WC is strong for most retail classes (GUARD Appetite Overview, APOV101926, Oct 2026). |
| Wholesale | WC | Most states | Wholesalers and distributors (beverage, clothing and furnishings, computer and electronic products, perishables, garden supplies) are strong for WC, but beverage, computer and perishables distributors are limited or no appetite for BOP and umbrella (GUARD Appetite Overview, APOV101926, Oct 2026). |
| Habitational | WC | Most states | Apartment buildings under 20 stories, B&Bs and condo or townhome associations are strong for WC, while BOP, umbrella and auto need underwriter review. Lessors of buildings are strong for WC, BOP and umbrella; building operation and property management is limited for BOP and umbrella (GUARD Appetite Overview, APOV101926, Oct 2026). |
How to quote Berkshire Hathaway GUARD
→Carrier portal. Quote directly in the Berkshire Hathaway GUARD agent portal.
→Bold Penguin. Agencies short on appointments needing market access.
→Semsee. Agencies quoting several small-commercial lines.