Guard Insurance Group Appetite Guide
Guard Insurance Group appetite across 18 business classes. Available in all 50 states + dc.
Guard is a top choice for small independent restaurants. Their BOP program, backed by Berkshire Hathaway, handles most casual dining and fast-casual operations with minimal underwriting friction. Sweet spot is $1,000-$30,000 total premium. Fine dining and multi-location groups may need manual review.
Preferred Appetite (9 classes)
preferredRestaurants
Business Owners Policy (BOP) · General Liability · Workers' Compensation
preferredGeneral Contractors
Business Owners Policy (BOP) · General Liability · Workers' Compensation
preferredRetail Stores
Business Owners Policy (BOP) · General Liability · Workers' Compensation
preferredProfessional Services
Business Owners Policy (BOP) · General Liability · Workers' Compensation
preferredPlumbing Contractors
General Liability · Commercial Property · Workers' Compensation
preferredElectrical Contractors
General Liability · Commercial Property · Workers' Compensation
preferredAuto Repair Shops
General Liability · Commercial Property · Workers' Compensation
preferredAccounting Firms
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredLaw Firms
Business Owners Policy (BOP) · General Liability · Commercial Property
Standard Appetite (7 classes)
standardTechnology Companies
Business Owners Policy (BOP) · General Liability · Workers' Compensation
standardHealthcare / Medical
Business Owners Policy (BOP) · General Liability · Workers' Compensation
standardReal Estate
Business Owners Policy (BOP) · General Liability · Commercial Property
standardWholesale Distribution
Business Owners Policy (BOP) · General Liability · Commercial Property
standardCleaning Services
Business Owners Policy (BOP) · General Liability · Commercial Property
standardLandscaping & Lawn Care
Business Owners Policy (BOP) · General Liability · Commercial Property
standardBeauty Salons & Spas
Business Owners Policy (BOP) · General Liability · Commercial Property
Limited Appetite (2 classes)
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