Guard Insurance Reviews 2018 (Ratings, Coverage & Complaints)
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Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Guard Insurance Reviews
Guard Insurance Reviews. When it comes to finding quality and affordable coverage for your business, you should looking into the company's ratings and reviews. Many companies have offered good feedback on this commercial insurance company.
Here are some details that you can use to make informed decisions about the type and amount of business insurance protection you require. If you are a business owner looking to buy liability insurance, read Guard Insurance reviews to learn about Guard's products.
Check out Guard Insurance's small business insurance reviews & ratings for general liability, workers comp and other commercial policies.
About Guard Insurance
Guard Insurance is a subsidiary of Berkshire Hathaway, Inc. - a trusted company with an A+ rating from A.M. Best Rating. This firm specializes in commercial casualty and commercial property accounts. It offers an expansive range of loss control, underwriting, billing, and claims value-added solutions.
Guard is made up of a few companies including: AmGUARD, EastGUARD, NorGUARD & WestGUARD.
Companies can work with Guard Insurance to obtain comprehensive commercial policies in the form of commercial auto, commercial umbrella, workers compensation, general liability, business owners policy and more.
The Guard Insurance reviews on the Internet are above average.
Commercial Insurance Products
Guard offers commercial insurance policies and individual policies for different business types. Some of the available coverages include:
Business Owners Policy (BOP) - Most Guard Insurance reviews make mention their all-inclusive business owner policies (BOPs). These options are currently offered in an increasing number for both small and medium-sized companies that are committed to protecting their financial resources. The Total Insured Value (TIV) for the typical BOP from Guard Insurance is $12.5 million, however they are willing to consider larger and higher value accounts.
The BOPs are available with a number of specialized endorsements, including those that are applicable to industry or niche-specific needs. These policies include all business liability and property coverage in a single and cost-effective plan. The limits for these policies can be increased as needed and policyholders always have the option of customizing their business owners policy to better-suit their individual circumstances and requirements.
While Guard currently writes policies for multiple business types, the vast majority of their clients are professional offices, retail outlets and stores, restaurants, service specialists, processing specialists, motels, hotels, auto service companies, and artisan contractors.
Companies that do not need the all-inclusive protections supplied by BOPs can alternatively choose to bind workers' compensation, commercial auto, or commercial umbrella as separate plans. Guard Insurance reviews for business owners policies are fair.
Professional Liability Insurance - The offer numerous options for professional liability insurance - also know as errors and omissions(E&O). Professional is similar to malpractice coverage that's bound by doctors, dentists and other highly-skilled professionals, by protecting people and commercial organizations from their own negligence, errors and oversights.
Moreover, the Miscellaneous Professional Liability (MPL) that this firm provides, can be customized to suit more than 50 different professions including event planning, accounting, photography, consulting, funerals, notary public, and office management services among many others.
Workers Compensation - According to Guard's website, their workers comp offers:
- Competitive pricing - They offer multiple pricing tiers well matched to the needs of different businesses; and also utilize schedule credits/debits where available.
- An easy, streamlined process for obtaining quick quotes.
- Cash-flow friendly payment terms, including "pay-as-you-go" and self-reporting options.
- Value-added loss control services that can make a workplace safer and a bottom line stronger.
- Fast, fair claims handling that focuses on quality medical care as the means of achieving the quickest possible return to work and superior cost containment.
- Excellent customer service.
Guard Commercial Claims
Guard Insurance maintains an expansive and user-friendly, online interface for starting the claims process. It also provides multiple ways for policyholders to connect with adjusters and other team members as necessary. In fact, policyholders can additionally use the online platform to access an approved list of medical providers when dealing with workers' compensation, liability, or other claims. Guard Insurance reviews for claims are hard to find online.
Guard Insurance Ratings Online
Following are some ratings found online which appear mixed:
- BBB.org - The Better Business Bureau rates them 3.23 out of 5 stars.
- AM Best - AM Best rates them A+.
Guard Insurance Contact Information
Address: 16 S River St, Wilkes-Barre, PA 18702
The Bottom Line On Guard Insurance
With high policy limits and a level of flexibility that most other business insurance providers don't easily match, Guard can help small business protect against everyday risks, without having to spend a fortune in the process. Also they are known for providing a number of value-added services that are designed with the goal of helping policyholders get more for their money.
Request a free Guard Insurance Business Insurance quote in California, Delaware, Kentucky, New Jersey, New York Pennsylvania and Texas. Also see Small Business Insurer Ratings: Acuity, AIG, Allstate, Amica, AmTrust, Chubb, Cincinnati, CNA, Dongeal, Erie, Esurance, Farmers, Foremost, GEICO, Guard, Hanover, Hiscox, Liberty Mutual, Merchants Insurance Group, Nationwide, Philadelphia Insurance Companies, Progressive, Selective, State Farm, The Hartford, Travelers, USAA, USLI, Westfield, Zurich
Commercial Insurance Broker ratings: BB&T Insurance Services, Bolt, Brown & Brown, Burns & Wilcox, Contractors Edge, CoverWallet, Day Care Insurance Services, Inc., Insureon, TechInsurance, USG Insurance Services
Small Business Independent Insurance Association Ratings: Trusted Choice
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