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INSURANCE CARRIER

BHHC Workers Compensation

A++ Rated Coverage from a Berkshire Hathaway Carrier

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RATINGS & OVERVIEW

How This Carrier Rates

AM Best

A++ Superior

JD Power Personal

JD Power Commercial

Workers comp specialist, outside the scope of the J.D. Power Small Commercial study.

NAIC Complaint Index

BHHC is part of the Berkshire Hathaway insurance group and one of the most financially stable workers compensation carriers in the country. They have maintained an AM Best A++ Superior rating for over 30 consecutive years. BHHC writes monoline workers compensation along with selective commercial auto and property in some states. For Georgia employers, BHHC is primarily a workers comp option with competitive pricing and pay-as-you-go billing.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

AM Best A++ Superior rating with 34 consecutive years of the highest possible financial strength rating, backed by Berkshire Hathaway Inc.

Strength 2

Flexible premium payment options including monthly payroll reporting and pay-as-you-go programs that align premium cost with actual payroll.

Strength 3

Conservative reserving and claims handling practices that produce predictable outcomes for employers and injured workers.

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Monoline focus means BHHC cannot bundle workers comp with BOP, GL, or commercial auto from a single carrier. Multi-line accounts need a separate carrier for the rest.

Weakness 2

Underwriting selective on high-hazard trades, prior losses, and certain industry classes that other workers comp markets will write.

Weakness 3

Slower quote turnaround on complex accounts than tech-forward workers comp carriers like Pie Insurance; traditional underwriting workflow adds time

Best Fit For

Mid-size to larger commercial accounts needing workers compensation in general industry, manufacturing, and professional services where financial strength and claims management quality are priorities.

Not A Good Fit For

Small businesses or micro-employers with very small premium volume. BHHC targets mid-market accounts and their underwriting minimums typically exclude the smallest commercial risks.

APPETITE & COVERAGE

What They Write

Coverage Types

Workers compensation (monoline), limited commercial auto and property in select states

Best Pricing For

Mid-market workers comp where long-term claims management consistency and Berkshire Hathaway A++ financial stability matter. Strong fit for Georgia manufacturing, distribution, retail, and professional services.

Industry Classes

Broad workers comp appetite across most standard classes including manufacturing, distribution, retail, restaurants, contracting, professional services, healthcare, and agricultural employers. Less appetite for very high-hazard trades like roofing or demolition.

Admitted Status

Admitted in Georgia for workers compensation

CLAIMS & PRICING

What to Expect

Claims Experience

BHHC workers comp claims handling is consistently rated above industry average. They emphasize early intervention, return-to-work programs, and dedicated nurse case management for injured workers. The conservative reserving philosophy translates to fewer surprise reserve adjustments mid-claim. Georgia employers report claims service that matches or exceeds Travelers and The Hartford on workers comp specifically.

Pricing Context

BHHC is competitive for mid-market workers comp placements where long-term claims management consistency and Berkshire Hathaway A++ financial stability matter. Not always the lowest initial rate.

vs Competitors

Against The Hartford workers comp: BHHC matches on financial strength (A++ vs A+) and often beats on price for accounts that fit BHHC appetite. Hartford has stronger multi-line capability when the account also needs BOP. Against Travelers workers comp: very close competition. Travelers has broader multi-line capability and slightly higher industry profile; BHHC has comparable or better workers comp claims service. Against Employers Holdings workers comp: similar specialty WC focus. BHHC has stronger financial rating; Employers has slightly lower minimum premium.

File a Claim

Call to report a claim:

Phone unavailable

STATE AVAILABILITY

Where They Write

States Available

46 states including Georgia. Not available in monopolistic states (North Dakota, Ohio, Washington, Wyoming).

Personal Lines States

Commercial Lines States

GA and 45 other states for workers compensation

Do We Work With Them?

Yes

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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