AmGUARD Auto Insurance Review: Should you buy in 2025?

Figuring out where and how to buy auto insurance or another type of 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. You can buy commercial auto insurance coverage from AmGUARD 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, AmGUARD auto insurance reviews, 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 primarily focused on business owners, though not all policies are available in every state. Keep in mind that AmGUARD does not offer personal auto insurance policies, and they don’t provide personal auto insurance for self-employed individuals. 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.

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. You can also buy fleet insurance if you have three or more vehicles working for your business.
• Workers’ compensation. This insurance helps pay your employees lost wages if they are injured while working.
• Business general liability insurance. 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 insurance. 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, such as taxi auto insurance. If you’re a tow truck driver, you may be able to buy cheap insurance for tow trucks from AmGUARD as well.

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. Every homeowner should take the time to understand homeowners insurance and how it works. 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 insurance policy not being enough to protect your property, 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 business insurance and commercial auto insurance policies. 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. Worse comes to worst, you can always learn how to switch auto insurance companies.

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. Research how to choose a business insurance provider carefully before deciding.

It may pay off to research differences between auto insurance companies offering 6-month policies and auto insurance companies offering 12-month policies as well to help you pick the best coverage for your needs.

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.

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, especially if you’re looking to buy no-fault auto insurance coverage or a similar personal policy.

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.