INSURANCE CARRIER
BHHC Workers Compensation
Berkshire Hathaway Financial Backing
Commercial Lines
- File a claim 800-356-5750 · 24/7 phone
- Online Account & claims portal
- After hoursBHHC claims: 1-800-356-5750 anytime.
Coverage Focus
What this carrier writes
Overview
About This Carrier
BHHC is part of the Berkshire Hathaway insurance group and has written workers compensation for over 30 years.
Strengths
What This Carrier Does Well
Part of the Berkshire Hathaway family of companies, with a decades-long workers compensation focus.
Flexible premium payment options including monthly payroll reporting and pay-as-you-go programs that align premium cost with actual payroll.
Conservative reserving and claims handling practices that produce predictable outcomes for employers and injured workers.
Limitations to Know
Where They Fall Short
Monoline focus means BHHC cannot bundle workers comp with standard business coverage, general liability, or commercial auto from a single carrier. Multi-line accounts need a separate carrier for the rest.
Underwriting selective on high-hazard trades, prior losses, and certain industry classes that other workers comp markets will write.
Slower quote turnaround on complex accounts than tech-forward workers comp carriers like Pie Insurance; traditional underwriting workflow adds time
Right Fit
Who They Are Best For
Best Fit For
Mid-size to larger commercial accounts needing workers compensation in general industry, manufacturing, and professional services that need a monoline workers comp market with consistent claims management.
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
- Line of Business
- Commercial Lines
- Coverage Types
- Workers compensation (monoline), limited commercial auto and property in select states
- States Available
- 46 states including Georgia. Not available in monopolistic states (North Dakota, Ohio, Washington, Wyoming).
- Commercial Lines States
- GA and 45 other states for workers compensation
- Max Business Revenue
- Workers comp written based on payroll size, not business revenue. Appetite ranges from very small employers up to large national accounts.
- BOP Appetite
- BHHC does not write standard business package coverage. They are a monoline workers compensation carrier.
- 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.
Pricing & Claims
What to Expect
Best Pricing For
Mid-market workers comp where long-term claims management consistency and the Berkshire Hathaway parent group matter. Strong fit for Georgia manufacturing, distribution, retail, and professional services.
Pricing Context
BHHC is competitive for mid-market workers comp placements where long-term claims management consistency and the Berkshire Hathaway parent group matter. Not always the lowest initial rate.
Claims Experience
BHHC workers comp claims handling emphasizes early intervention, return-to-work programs, and dedicated nurse case management for injured workers. The conservative reserving philosophy translates to fewer reserve adjustments mid-claim.
Admitted Status: Admitted in Georgia for workers compensation
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
Why does BHHC use pay-as-you-go billing for workers comp?
BHHC pay-as-you-go ties workers comp premiums to actual payroll each period, eliminating large deposits for seasonal or variable staffing businesses.