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BHHC Workers Compensation

A++ Rated Coverage from a Berkshire Hathaway Carrier

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Financial Strength

A++ Superior

Revenue Appetite

Workers comp written based on payroll size, not business revenue. Appetite ranges from very small employers up to large national accounts.

Key Industries

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.

BHHC

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.

BOP Appetite

BHHC does not write BOP. They are a monoline workers compensation carrier, with selective commercial auto and property in some states.

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.

Do We Work With Them?

Yes, monoline workers compensation in Georgia.

Quick qualifier

Is This Carrier Right for Your Business?

✓ Best Fit Profile

Georgia businesses of all sizes needing monoline workers compensation with pay-as-you-go billing, Berkshire Hathaway financial strength, and a carrier built exclusively around workers comp.

⚠ Not the Right Fit If...

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.

✓ Strengths

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

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.

⚠ Weaknesses

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.

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

Claims

What Happens When You File a Claim

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

What It Typically Costs

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.

Comparison

How They Compare

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.

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