AmGUARD Insurance Review

AmGUARD Insurance writes commercial and personal insurance plans as part of the GUARD family. Here's everything you need to know about AmGuard including types of policies, average prices, and reviews.

UPDATED: Jul 21, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 21, 2022

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A Concise Overview

  • AmGUARD Insurance mainly writes commercial insurance policies under the name of Berkshire Hathaway
  • While AmGUARD operates in all 50 states, you can shop with another GUARD company if it doesn’t sell a particular product in your state
  • AmGUARD has good ratings from A.M. Best and the Better Business Bureau, but customer reviews are overwhelmingly negative

Figuring out where to buy an insurance policy can be confusing. Suppose you’ve heard about the AmGUARD insurance company and want to check out the company’s products. In that case, AmGUARD is one of four original GUARD companies and is now a subsidiary of the WestGUARD Insurance Company.

AmGUARD currently operates under Berkshire Hathaway GUARD Insurance. Regardless of what you call it, AmGUARD offers business and personal insurance policies, including a comprehensive commercial car insurance plan, in several states. With a long list of insurance options, AmGUARD can cover just about anything you need to protect.

Read on to explore AmGUARD’s insurance options and whether they’re a good fit for your needs. Then, compare rates with as many companies as possible to ensure you get the best policy.

What is the AmGUARD Insurance Company?

AmGUARD was founded in 1982 as part of the GUARD family of companies, along with NorGUARD, WestGUARD, and EastGUARD. AZGUARD was added later and rounds out the GUARD family.

AmGUARD offers a long list of insurance products, though not all policies are available in every state. The GUARD family covers all 50 states, but it’s hard to tell which company your policy will be underwritten by without a direct quote.

AmGUARD (and other GUARD companies) utilize private agents and brokers to sell their policies. The AmGUARD network has over 7,000 agents working in all 50 states to provide GUARD coverage.

While AmGUARD and the other GUARD companies sell a variety of products, their main insurance plans are for either commercial or personal property.

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AmGUARD Commercial Insurance

Although AmGUARD sells a few personal insurance products, it mainly focuses on commercial plans. Through AmGUARD, you can buy the following commercial products:

  • Property. AmGUARD provides protection for your business property against theft, weather damage, fire, and vandalism.
  • Auto. Any vehicle you use for your business should have a commercial auto plan. AmGUARD offers insurance for any vehicle worth less than $75,000.
  • Workers’ compensation. This insurance helps pay your employees lost wages if they are injured while working.
  • General liability. General liability helps you pay for medical expenses and lawsuits if a guest or customer is injured on your property. It also covers property damage your business causes.
  • Excess liability. Sometimes, events can be so damaging that you meet the limits of your general liability plan. If you have excess liability, your plan will kick in once general liability insurance runs out.
  • Professional liability. Professional liability protects specific industries from negligence or malpractice lawsuits. This is a popular choice for accountants, lawyers, and physicians.
  • Business owners. A business owner’s policy combines the best of property and liability insurance into one plan. Not only does this simplify your policy, but you’ll probably save money.
  • Umbrella. Similar to excess liability, an umbrella plan provides extra coverage in case you reach the limits on another plan.
  • Employment practices liability (EPLI). This liability insurance helps pay legal fees and restitution if an employee initiates a lawsuit for discrimination, sexual harassment, or other similar events.
  • State disability. If an employee becomes disabled and can no longer work, disability insurance helps replace lost income and wages.

AmGUARD also offers commercial packages. Although it doesn’t publish details, you’ll probably be able to combine multiple products into a single policy to save money.

While AmGUARD is a licensed insurance provider in all 50 states, not all states have access to every product. To learn what you can buy in your state, speak with an AmGUARD representative. If AmGUARD can’t provide you with the insurance you need, one of the other GUARD companies probably can.

How much does AmGUARD commercial insurance cost?

With all the confusion between AmGUARD, Berkshire Hathaway, and other GUARD companies, finding quotes to compare is difficult. However, AmGUARD promises competitive prices, so you can get an idea of what you might pay by looking at the average price for various products.

Insurance TypeAverage Monthly Rates
Commercial auto$142
Commercial property$63
Workers' compensation$1 per every $100 in payroll
General liability$30
Employment practices liability$182
Excess liability$83 per $1,000,000 in coverage
State disability$166
Umbrella$40 per $1,000,000 in coverage
Professional liability$62 per employee
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Remember that these are just averages, and your price will likely differ slightly. Commercial insurance companies look at factors like location, fleet size, building size, the number of employees, and what type of business you have to determine your rates.

AmGUARD Personal Insurance

AmGuard offers very few personal insurance products. They include the following:

  • Homeowners. A homeowners policy protects the physical part of your home, freestanding structures, and your personal property. It also provides liability in case someone is injured on your property.
  • Umbrella liability. If you’re worried about your homeowner’s policy not including enough liability, you can add more with an umbrella plan.

Similar to its commercial plans, AmGuard does not offer these products in every state.

You can find more personal products, including renters and condo insurance, through other GUARD companies. You can also buy a landlord policy if you plan on renting your home. The landlord policy works for traditional long-term contracts and vacation renting sites like Airbnb.

However, personal insurance isn’t the real focus of the GUARD family, and you can’t buy popular policies like car coverage through them. Commercial insurance is where AmGUARD’s true strength is.

AmGUARD Insurance Company Reviews

GUARD makes a lot of promises on its website, especially regarding its commercial insurance. From innovation to inclusivity, GUARD wants customers to feel like they’re getting the best.

However, a website can only tell you so much. You should look at reviews to get an idea of if you want to move forward with a quote.

AmGuard does well with professional reviews. It receives a strong A+ from A.M. Best for its financial stability, which means the company won’t have trouble paying your claims.

The Better Business Bureau (BBB) gives AmGuard an A+, and there are surprisingly few complaints on the BBB website. The one complaint against the company states that AmGUARD does not follow through with policyholders’ requests and charges more than they initially quoted.

Customer Reviews for AmGUARD

Unfortunately, reviews are not better elsewhere. Many customers state they wish they could leave negative stars on their reviews because they are so unsatisfied with the service they receive.

The most common complaints include the following:

  • Rude or combative customer service representatives
  • Unexplained depreciation of parts used to lower claim payments
  • Long wait times for phone calls
  • The claims process can drag on for months to a year
  • Representatives frequently claim emailed documents were lost
  • Slow to process changes in policies

People generally say they get passed from one representative to another, with no clear feeling that AmGUARD cares about them as customers. With AmGUARD, WestGUARD, Berkshire Hathaway, and other GUARD companies blending together, it’s no wonder things get a little chaotic.

People filing claims against AmGUARD customers report similar experiences. From trying to underpay claims, delaying the payment process, and ignoring requests, most people who have dealt with AmGUARD warn to stay away.

The only positive reviews to be found involve the specialty insurance packages GUARD puts together for high-risk or complex industries. From tow truck insurance to hospitals, GUARD offers plans to cover all business aspects.

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Is AmGUARD Insurance right for you?

Although AmGUARD and other GUARD companies specialize in small to midsize businesses, the sheer number of negative reviews warrants caution. Many insurance companies provide commercial and personal insurance, and you definitely want to check them out before signing with AmGUARD.

If AmGUARD still sounds interesting to you, getting a quote isn’t a commitment, and there’s no harm in looking. You can connect with an agent through the GUARD website to start a quote. Then, compare rates with other companies to ensure you get the best coverage for your business.

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