What Does Workers Compensation Insurance Cover?

Workers Compensation insurance is required by law in most states. If your business does not have it, you may face state fines, penalties, and even imprisonment. You could also get saddled with unanticipated costs making your business less competitive. Additionally, most states require companies to provide Workers Compensation for independent contractors and subcontractors who don’t have coverage. Workers Compensation claims can last for decades. A poor short-term decision on a carrier can cost your business a lot in the long term.

Specific coverages provided are as follows:

• Workplace Injuries: In the event an employee becomes ill or is injured while performing their job duties, Workers Compensation helps cover them for related medical care and economic losses. Most importantly – our team is focused on getting that employee back to work as a contributing member of your team.
• Disability: If a team member becomes severely injured on the job, a Workers Compensation policy covers wage replacement, ensuring the employee can focus on recovery and rehabilitation.
• Death Benefits: If someone dies in a work-related incident, death benefits may be available to their family depending on the work location of the employee. These benefits offer financial support when an employee’s family needs it the most.
• Employers Liability: Employers Liability Insurance covers additional damages that may be caused by employer negligence. Types of Employers Liability claims include:
  • Third-Party Action: If an injured worker sues a third party that they believe to be responsible for the injuries, and the third party files a lawsuit against you, the Employers Liability limits coverage will apply.
  • Loss of Consortium: The immediate family of an injured worker sues the employer for injuries resulting in the loss of a family relationship such as companionship, help with household duties, and other hardships.
  • Dual-Capacity Suit: An injured worker sues the employer based on a secondary relationship the employer shares with the employee, whether as a supplier of a product, provider of a service, or owner of a premise.
  • Consequential body injury: The immediate family of an injured worker sues the employer because, as a result of the injury sustained by the worker, the immediate family members also suffered injuries.

Claims Handling – The Critical Difference in Managing Workplace Accidents

We benefit your employees by providing compassionate care when an accident occurs. We are passionate about helping your employees achieve the fullest possible recovery by having our experienced team help them easily navigate through the claim process while receiving the most effective treatment available. We save employers money by closing claims fast and at a lower cost while aggressively weeding out fraudulent claims. Extraordinary claim outcomes result in happier and more productive employees while leading to lower experience modifiers for employers.

The following claims resources are available for employers:

• Our Claims Commitment
• Report a Claim
• Workers Compensation Claim Kits by State
• Fighting Fraud

Loss Control – The Critical Difference in Preventing Workplace Accidents

Our team of seasoned professionals can recommend strategies and best practices that help your business identify, reduce, and avoid potential risks and hazards common to your workplace. We work with you to establish risk management strategies and best practices that enhance the effectiveness of your hazard controls and increase employee involvement in the prevention of workplace injuries. A highly experienced team of safety professionals will guide you in controlling costs and improving your bottom line.

Loss Control services provided to Berkshire United policyholders include:

• Development of customized loss control service plans in partnership with our customers
• Safety training for management and supervisors
• Training materials and resources for use throughout your organization
• Hazard identification surveys and safety inspection
• Research and direction on OSHA regulations (Federal, CalOSHA, and state-specific)
• Accident investigations of serious injuries to identify root causes and corrective action plans
• Noise level – preliminary evaluations
• Proven expertise in providing direction and support toward effective safety programs

Please email your inquiries to the Loss Control Service Center at [email protected].

Client Services – The Critical Difference in Simplifying Your Insurance Program Management

Client Services is a leading customer care initiative, and we tailor our efforts to our customers’ individual needs. Our team's sole objective is to provide a highly professional, single point of contact who can offer support, answer questions, provide training, and coordinate with all other Berkshire United team members to ensure satisfaction.

About Berkshire Hathaway Homestate Companies:

For our Workers Compensation policies, we partner with the Berkshire Hathaway Homestate Companies (“BHHC”). BHHC is committed to providing injured workers with compassionate care and access to timely treatment and support. Our risk management services, proactive claim management, and fraud prevention help contribute to superior claim outcomes for you and your employees.

Product Highlights

• Guaranteed Cost coverage with primary limits up to 2/4/4
• Insurance Service Office’s (ISO) multi-state forms and endorsements
• Broad Form named insured wording; automatic coverage for newly acquired or formed organizations for a limited period
• Additional Insured Where Required by Written Contract standard
• Automatic Waiver of Subrogation and Protection for unintentional failure to disclose
• Primary & Non-Contributory & Per Project and Per Location Aggregate Limits available
• Broad definition of bodily injury includes mental anguish, mental injury, shock, and humiliation
• Construction risks: AI 2010 & 2037 10/01 or later versions available; amended Residential wording

Claims is Our Product

We are committed to excellence in claims handling and bringing skill, efficiency, and transparency to all aspects of the claims process. Our service standards set our bar consistently high on everything from the acknowledgment of a claim to communication throughout the life of a loss – eliminating surprises to your business. We harness the latest claims handling technologies but are well aware that claims handling, at its core, is about people: People helping people recover from a loss, a business disruption, or a lawsuit large or small. Consequently, we bring both skill and compassion to the process. We are highly experienced and readily accessible: All customers have direct access to our claims handling team.

Loss Control

Our team of seasoned professionals can recommend strategies and best practices that help your business identify, reduce, and avoid potential risks and hazards common to your business operations. We work with you to establish risk management strategies and best practices that enhance the effectiveness of your hazard controls and increase employee involvement in managing your risk profile. A highly experienced team of safety professionals will guide you in controlling costs and improving your bottom line.

Loss Control services provided to Berkshire United policyholders include:

• Development of customized loss control service plans in partnership with our customers
• Safety training for management and supervisors
• Training materials and resources for use throughout your organization
• Hazard identification surveys and safety inspection
• Research and direction on OSHA regulations (Federal, CalOSHA, and state-specific)
• Accident investigations of serious injuries to identify root causes and corrective action plans
• Noise level – preliminary evaluations
• Proven expertise in providing direction and support toward effective safety programs

Please email your inquiries to the Loss Control Service Center at [email protected].

Client Services – The Critical Difference in Simplifying Your Insurance Program Management

Client Services is a leading customer care initiative, and we tailor our efforts to our customers’ individual needs. Our team's sole objective is to provide a highly professional, single point of contact who can offer support, answer questions, provide training, and coordinate with all other Berkshire United team members to ensure satisfaction.

About Berkshire Hathaway Specialty Insurance:

For our General Liability insurance products, we partner with Berkshire Hathaway Specialty Insurance Company (“BHSIC”). BHSIC is grounded in the financial strength of Berkshire Hathaway and the expertise, integrity, and character of their team members. BHSIC has the financial strength to be there for you when you have a claim, as well as the experience, expertise, and renowned service record you can count on.

What Does Commercial Auto Insurance Cover?

• Bodily Injury Liability Coverage: This coverage provides payment in cases of bodily injury or death resulting from an accident for which you are at fault.
• Property Damage Liability Coverage: If your vehicle accidentally causes damage to another person’s vehicle, this coverage can protect you.
• Medical Payments, No-Fault, or Personal Injury Coverage: This coverage provides payment for any medical expenses that may arise due to an employee or a passenger traveling in your vehicle, regardless of who is at fault in an accident.
• Uninsured Motorist Coverage: This coverage provides payment for any medical expenses, or in some cases, property damage caused by a hit-and-run driver or an uninsured driver. Underinsured motorist coverage may also be included depending on the type of policy.
• Comprehensive Physical Damage Coverage: This coverage addresses damage resulting from theft, vandalism, flood, fire, and other specified hazards.
• Collision Coverage: This coverage provides payment for damage resulting from being hit by or hitting another object.
• Combined Single Limit: Liability policies provide different maximum dollar amounts that the insurer will pay for various components of a claim. A combined single limit policy states that the insurer will pay up to a certain dollar amount for the entire claim. It doesn’t matter whether all components of the claim are related to one person’s injuries, or whether there are multiple injured parties represented by the claim.

Product Highlights

• Guaranteed Cost coverage with $1 million Combined Single Limit
• Insurance Service Office’s (ISO) multi-state forms and endorsements
• Broadened who is insured to include:
  • Subsidiaries and Newly Acquired or formed Organizations as Insureds for a limited period
  • Employees & Lessors as Insureds
  • Vehicle Owned by the Executive Officers or spouse that are used primarily for business purposes
• Auto Enhancement Endorsement which includes multiple enhancements such as:
  • Increased: Supplemental Payments, Transportation Expenses, and Loss of Use Expenses
  • Fellow Employee coverage language
  • Autos Rented by Employees
  • Auto Loan/Lease Gap
  • Loss to Hired Auto (physical damage coverage)
  • Amended Duties in the Event of Accident, Claim, Suit, or Loss
  • Waiver of Subrogation
  • Unintentional Failure to Disclose Hazards
  • Mental Anguish that results from bodily injury

Claims is Our Product

We are committed to excellence in claims handling and bringing skill, efficiency, and transparency to all aspects of the claims process. Our service standards set our bar consistently high on everything from the acknowledgment of a claim to communication throughout the life of a loss – eliminating surprises to your business.

Client Services – The Critical Difference in Simplifying Your Insurance Program Management

Client Services is a leading customer care initiative, and we tailor our efforts to our customers’ individual needs. Our team's sole objective is to provide a highly professional, single point of contact who can offer support, answer questions, provide training, and coordinate with all other Berkshire United team members to ensure satisfaction.

About Berkshire Hathaway Specialty Insurance:

For our commercial auto insurance products, we partner with Berkshire Hathaway Specialty Insurance Company (“BHSIC”). BHSIC is grounded in the financial strength of Berkshire Hathaway and the expertise, integrity, and character of their team members. BHSIC has the financial strength to be there for you when you have a claim, as well as the experience, expertise, and renowned service record you can count on.

An umbrella insurance policy protects your business by providing an additional layer of protection above your core insurance policies, allowing additional flexibility in managing your business risk profile.

Umbrella Product Highlights

• $5 million in limits per occurrence (up to $10 million for select risks)
• BHSI Proprietary multi-state form and endorsements
• $1 million General Liability, EL & Auto attachments
• Automatic coverage for anyone qualifying as an insured on a primary policy
• Automatic Waiver of Subrogation and Protection for unintentional failure to disclose
• Broad definition of bodily injury includes mental anguish, mental injury, shock, and humiliation
• Coverage Territory is the United States, its territories, Puerto Rico, and Canada

**Available only as a bundled solution over Berkshire United’s primary GL and Auto

Claims is Our Product

We are committed to excellence in claims handling and bringing skill, efficiency, and transparency to all aspects of the claims process. Our service standards set our bar consistently high on everything from the acknowledgment of a claim to communication throughout the life of a loss – eliminating surprises to your business. We harness the latest claims handling technologies but are well aware that claims handling, at its core, is about people: People helping people recover from a loss, a business disruption, or a lawsuit large or small. Consequently, we bring both skill and compassion to the process. We are highly experienced and readily accessible: All customers have direct access to our claims handling team.

About Berkshire Hathaway Specialty Insurance:

For our commercial auto insurance products, we partner with Berkshire Hathaway Specialty Insurance Company (“BHSIC”). BHSIC is grounded in the financial strength of Berkshire Hathaway and the expertise, integrity, and character of their team members. BHSIC has the financial strength to be there for you when you have a claim, as well as the experience, expertise, and renowned service record you can count on.

What Does Workers Compensation Insurance Cover?

Workers Compensation insurance is required by law in most states. If your business does not have it, you may face state fines, penalties, and even imprisonment. You could also get saddled with unanticipated costs making your business less competitive. Additionally, most states require companies to provide Workers Compensation for independent contractors and subcontractors who don’t have coverage. Workers Compensation claims can last for decades. A poor short-term decision on a carrier can cost your business a lot in the long term.

Specific coverages provided are as follows:

• Workplace Injuries: In the event an employee becomes ill or is injured while performing their job duties, Workers Compensation helps cover them for related medical care and economic losses. Most importantly – our team is focused on getting that employee back to work as a contributing member of your team.
• Disability: If a team member becomes severely injured on the job, a Workers Compensation policy covers wage replacement, ensuring the employee can focus on recovery and rehabilitation.
• Death Benefits: If someone dies in a work-related incident, death benefits may be available to their family depending on the work location of the employee. These benefits offer financial support when an employee’s family needs it the most.
• Employers Liability: Employers Liability Insurance covers additional damages that may be caused by employer negligence. Types of Employers Liability claims include:
  • Third-Party Action: If an injured worker sues a third party that they believe to be responsible for the injuries, and the third party files a lawsuit against you, the Employers Liability limits coverage will apply.
  • Loss of Consortium: The immediate family of an injured worker sues the employer for injuries resulting in the loss of a family relationship such as companionship, help with household duties, and other hardships.
  • Dual-Capacity Suit: An injured worker sues the employer based on a secondary relationship the employer shares with the employee, whether as a supplier of a product, provider of a service, or owner of a premise.
  • Consequential body injury: The immediate family of an injured worker sues the employer because, as a result of the injury sustained by the worker, the immediate family members also suffered injuries.

Claims Handling – The Critical Difference in Managing Workplace Accidents

We benefit your employees by providing compassionate care when an accident occurs. We are passionate about helping your employees achieve the fullest possible recovery by having our experienced team help them easily navigate through the claim process while receiving the most effective treatment available. We save employers money by closing claims fast and at a lower cost while aggressively weeding out fraudulent claims. Extraordinary claim outcomes result in happier and more productive employees while leading to lower experience modifiers for employers.

The following claims resources are available for employers:

• Our Claims Commitment
• Report a Claim
• Workers Compensation Claim Kits by State
• Fighting Fraud

Loss Control – The Critical Difference in Preventing Workplace Accidents

Our team of seasoned professionals can recommend strategies and best practices that help your business identify, reduce, and avoid potential risks and hazards common to your workplace. We work with you to establish risk management strategies and best practices that enhance the effectiveness of your hazard controls and increase employee involvement in the prevention of workplace injuries. A highly experienced team of safety professionals will guide you in controlling costs and improving your bottom line.

Loss Control services provided to Berkshire United policyholders include:

• Development of customized loss control service plans in partnership with our customers
• Safety training for management and supervisors
• Training materials and resources for use throughout your organization
• Hazard identification surveys and safety inspection
• Research and direction on OSHA regulations (Federal, CalOSHA, and state-specific)
• Accident investigations of serious injuries to identify root causes and corrective action plans
• Noise level – preliminary evaluations
• Proven expertise in providing direction and support toward effective safety programs

Please email your inquiries to the Loss Control Service Center at [email protected].

Client Services – The Critical Difference in Simplifying Your Insurance Program Management

Client Services is a leading customer care initiative, and we tailor our efforts to our customers’ individual needs. Our team's sole objective is to provide a highly professional, single point of contact who can offer support, answer questions, provide training, and coordinate with all other Berkshire United team members to ensure satisfaction.

About Berkshire Hathaway Homestate Companies:

For our Workers Compensation policies, we partner with the Berkshire Hathaway Homestate Companies (“BHHC”). BHHC is committed to providing injured workers with compassionate care and access to timely treatment and support. Our risk management services, proactive claim management, and fraud prevention help contribute to superior claim outcomes for you and your employees.

Product Highlights

• Guaranteed Cost coverage with primary limits up to 2/4/4
• Insurance Service Office’s (ISO) multi-state forms and endorsements
• Broad Form named insured wording; automatic coverage for newly acquired or formed organizations for a limited period
• Additional Insured Where Required by Written Contract standard
• Automatic Waiver of Subrogation and Protection for unintentional failure to disclose
• Primary & Non-Contributory & Per Project and Per Location Aggregate Limits available
• Broad definition of bodily injury includes mental anguish, mental injury, shock, and humiliation
• Construction risks: AI 2010 & 2037 10/01 or later versions available; amended Residential wording

Claims is Our Product

We are committed to excellence in claims handling and bringing skill, efficiency, and transparency to all aspects of the claims process. Our service standards set our bar consistently high on everything from the acknowledgment of a claim to communication throughout the life of a loss – eliminating surprises to your business. We harness the latest claims handling technologies but are well aware that claims handling, at its core, is about people: People helping people recover from a loss, a business disruption, or a lawsuit large or small. Consequently, we bring both skill and compassion to the process. We are highly experienced and readily accessible: All customers have direct access to our claims handling team.

Loss Control

Our team of seasoned professionals can recommend strategies and best practices that help your business identify, reduce, and avoid potential risks and hazards common to your business operations. We work with you to establish risk management strategies and best practices that enhance the effectiveness of your hazard controls and increase employee involvement in managing your risk profile. A highly experienced team of safety professionals will guide you in controlling costs and improving your bottom line.

Loss Control services provided to Berkshire United policyholders include:

• Development of customized loss control service plans in partnership with our customers
• Safety training for management and supervisors
• Training materials and resources for use throughout your organization
• Hazard identification surveys and safety inspection
• Research and direction on OSHA regulations (Federal, CalOSHA, and state-specific)
• Accident investigations of serious injuries to identify root causes and corrective action plans
• Noise level – preliminary evaluations
• Proven expertise in providing direction and support toward effective safety programs

Please email your inquiries to the Loss Control Service Center at [email protected].

Client Services – The Critical Difference in Simplifying Your Insurance Program Management

Client Services is a leading customer care initiative, and we tailor our efforts to our customers’ individual needs. Our team's sole objective is to provide a highly professional, single point of contact who can offer support, answer questions, provide training, and coordinate with all other Berkshire United team members to ensure satisfaction.

About Berkshire Hathaway Specialty Insurance:

For our General Liability insurance products, we partner with Berkshire Hathaway Specialty Insurance Company (“BHSIC”). BHSIC is grounded in the financial strength of Berkshire Hathaway and the expertise, integrity, and character of their team members. BHSIC has the financial strength to be there for you when you have a claim, as well as the experience, expertise, and renowned service record you can count on.

What Does Commercial Auto Insurance Cover?

• Bodily Injury Liability Coverage: This coverage provides payment in cases of bodily injury or death resulting from an accident for which you are at fault.
• Property Damage Liability Coverage: If your vehicle accidentally causes damage to another person’s vehicle, this coverage can protect you.
• Medical Payments, No-Fault, or Personal Injury Coverage: This coverage provides payment for any medical expenses that may arise due to an employee or a passenger traveling in your vehicle, regardless of who is at fault in an accident.
• Uninsured Motorist Coverage: This coverage provides payment for any medical expenses, or in some cases, property damage caused by a hit-and-run driver or an uninsured driver. Underinsured motorist coverage may also be included depending on the type of policy.
• Comprehensive Physical Damage Coverage: This coverage addresses damage resulting from theft, vandalism, flood, fire, and other specified hazards.
• Collision Coverage: This coverage provides payment for damage resulting from being hit by or hitting another object.
• Combined Single Limit: Liability policies provide different maximum dollar amounts that the insurer will pay for various components of a claim. A combined single limit policy states that the insurer will pay up to a certain dollar amount for the entire claim. It doesn’t matter whether all components of the claim are related to one person’s injuries, or whether there are multiple injured parties represented by the claim.

Product Highlights

• Guaranteed Cost coverage with $1 million Combined Single Limit
• Insurance Service Office’s (ISO) multi-state forms and endorsements
• Broadened who is insured to include:
  • Subsidiaries and Newly Acquired or formed Organizations as Insureds for a limited period
  • Employees & Lessors as Insureds
  • Vehicle Owned by the Executive Officers or spouse that are used primarily for business purposes
• Auto Enhancement Endorsement which includes multiple enhancements such as:
  • Increased: Supplemental Payments, Transportation Expenses, and Loss of Use Expenses
  • Fellow Employee coverage language
  • Autos Rented by Employees
  • Auto Loan/Lease Gap
  • Loss to Hired Auto (physical damage coverage)
  • Amended Duties in the Event of Accident, Claim, Suit, or Loss
  • Waiver of Subrogation
  • Unintentional Failure to Disclose Hazards
  • Mental Anguish that results from bodily injury

Claims is Our Product

We are committed to excellence in claims handling and bringing skill, efficiency, and transparency to all aspects of the claims process. Our service standards set our bar consistently high on everything from the acknowledgment of a claim to communication throughout the life of a loss – eliminating surprises to your business.

Client Services – The Critical Difference in Simplifying Your Insurance Program Management

Client Services is a leading customer care initiative, and we tailor our efforts to our customers’ individual needs. Our team's sole objective is to provide a highly professional, single point of contact who can offer support, answer questions, provide training, and coordinate with all other Berkshire United team members to ensure satisfaction.

About Berkshire Hathaway Specialty Insurance:

For our commercial auto insurance products, we partner with Berkshire Hathaway Specialty Insurance Company (“BHSIC”). BHSIC is grounded in the financial strength of Berkshire Hathaway and the expertise, integrity, and character of their team members. BHSIC has the financial strength to be there for you when you have a claim, as well as the experience, expertise, and renowned service record you can count on.

An umbrella insurance policy protects your business by providing an additional layer of protection above your core insurance policies, allowing additional flexibility in managing your business risk profile.

Umbrella Product Highlights

• $5 million in limits per occurrence (up to $10 million for select risks)
• BHSI Proprietary multi-state form and endorsements
• $1 million General Liability, EL & Auto attachments
• Automatic coverage for anyone qualifying as an insured on a primary policy
• Automatic Waiver of Subrogation and Protection for unintentional failure to disclose
• Broad definition of bodily injury includes mental anguish, mental injury, shock, and humiliation
• Coverage Territory is the United States, its territories, Puerto Rico, and Canada

**Available only as a bundled solution over Berkshire United’s primary GL and Auto

Claims is Our Product

We are committed to excellence in claims handling and bringing skill, efficiency, and transparency to all aspects of the claims process. Our service standards set our bar consistently high on everything from the acknowledgment of a claim to communication throughout the life of a loss – eliminating surprises to your business. We harness the latest claims handling technologies but are well aware that claims handling, at its core, is about people: People helping people recover from a loss, a business disruption, or a lawsuit large or small. Consequently, we bring both skill and compassion to the process. We are highly experienced and readily accessible: All customers have direct access to our claims handling team.

About Berkshire Hathaway Specialty Insurance:

For our commercial auto insurance products, we partner with Berkshire Hathaway Specialty Insurance Company (“BHSIC”). BHSIC is grounded in the financial strength of Berkshire Hathaway and the expertise, integrity, and character of their team members. BHSIC has the financial strength to be there for you when you have a claim, as well as the experience, expertise, and renowned service record you can count on.

What Does Workers Compensation Insurance Cover?

Workers Compensation insurance is required by law in most states. If your business does not have it, you may face state fines, penalties, and even imprisonment. You could also get saddled with unanticipated costs making your business less competitive. Additionally, most states require companies to provide Workers Compensation for independent contractors and subcontractors who don’t have coverage. Workers Compensation claims can last for decades. A poor short-term decision on a carrier can cost your business a lot in the long term.

Specific coverages provided are as follows:

• Workplace Injuries: In the event an employee becomes ill or is injured while performing their job duties, Workers Compensation helps cover them for related medical care and economic losses. Most importantly – our team is focused on getting that employee back to work as a contributing member of your team.
• Disability: If a team member becomes severely injured on the job, a Workers Compensation policy covers wage replacement, ensuring the employee can focus on recovery and rehabilitation.
• Death Benefits: If someone dies in a work-related incident, death benefits may be available to their family depending on the work location of the employee. These benefits offer financial support when an employee’s family needs it the most.
• Employers Liability: Employers Liability Insurance covers additional damages that may be caused by employer negligence. Types of Employers Liability claims include:
  • Third-Party Action: If an injured worker sues a third party that they believe to be responsible for the injuries, and the third party files a lawsuit against you, the Employers Liability limits coverage will apply.
  • Loss of Consortium: The immediate family of an injured worker sues the employer for injuries resulting in the loss of a family relationship such as companionship, help with household duties, and other hardships.
  • Dual-Capacity Suit: An injured worker sues the employer based on a secondary relationship the employer shares with the employee, whether as a supplier of a product, provider of a service, or owner of a premise.
  • Consequential body injury: The immediate family of an injured worker sues the employer because, as a result of the injury sustained by the worker, the immediate family members also suffered injuries.

Claims Handling – The Critical Difference in Managing Workplace Accidents

We benefit your employees by providing compassionate care when an accident occurs. We are passionate about helping your employees achieve the fullest possible recovery by having our experienced team help them easily navigate through the claim process while receiving the most effective treatment available. We save employers money by closing claims fast and at a lower cost while aggressively weeding out fraudulent claims. Extraordinary claim outcomes result in happier and more productive employees while leading to lower experience modifiers for employers.

The following claims resources are available for employers:

• Our Claims Commitment
• Report a Claim
• Workers Compensation Claim Kits by State
• Fighting Fraud

Loss Control – The Critical Difference in Preventing Workplace Accidents

Our team of seasoned professionals can recommend strategies and best practices that help your business identify, reduce, and avoid potential risks and hazards common to your workplace. We work with you to establish risk management strategies and best practices that enhance the effectiveness of your hazard controls and increase employee involvement in the prevention of workplace injuries. A highly experienced team of safety professionals will guide you in controlling costs and improving your bottom line.

Loss Control services provided to Berkshire United policyholders include:

• Development of customized loss control service plans in partnership with our customers
• Safety training for management and supervisors
• Training materials and resources for use throughout your organization
• Hazard identification surveys and safety inspection
• Research and direction on OSHA regulations (Federal, CalOSHA, and state-specific)
• Accident investigations of serious injuries to identify root causes and corrective action plans
• Noise level – preliminary evaluations
• Proven expertise in providing direction and support toward effective safety programs

Please email your inquiries to the Loss Control Service Center at [email protected].

Client Services – The Critical Difference in Simplifying Your Insurance Program Management

Client Services is a leading customer care initiative, and we tailor our efforts to our customers’ individual needs. Our team's sole objective is to provide a highly professional, single point of contact who can offer support, answer questions, provide training, and coordinate with all other Berkshire United team members to ensure satisfaction.

About Berkshire Hathaway Homestate Companies:

For our Workers Compensation policies, we partner with the Berkshire Hathaway Homestate Companies (“BHHC”). BHHC is committed to providing injured workers with compassionate care and access to timely treatment and support. Our risk management services, proactive claim management, and fraud prevention help contribute to superior claim outcomes for you and your employees.

Product Highlights

• Guaranteed Cost coverage with primary limits up to 2/4/4
• Insurance Service Office’s (ISO) multi-state forms and endorsements
• Broad Form named insured wording; automatic coverage for newly acquired or formed organizations for a limited period
• Additional Insured Where Required by Written Contract standard
• Automatic Waiver of Subrogation and Protection for unintentional failure to disclose
• Primary & Non-Contributory & Per Project and Per Location Aggregate Limits available
• Broad definition of bodily injury includes mental anguish, mental injury, shock, and humiliation
• Construction risks: AI 2010 & 2037 10/01 or later versions available; amended Residential wording

Claims is Our Product

We are committed to excellence in claims handling and bringing skill, efficiency, and transparency to all aspects of the claims process. Our service standards set our bar consistently high on everything from the acknowledgment of a claim to communication throughout the life of a loss – eliminating surprises to your business. We harness the latest claims handling technologies but are well aware that claims handling, at its core, is about people: People helping people recover from a loss, a business disruption, or a lawsuit large or small. Consequently, we bring both skill and compassion to the process. We are highly experienced and readily accessible: All customers have direct access to our claims handling team.

Loss Control

Our team of seasoned professionals can recommend strategies and best practices that help your business identify, reduce, and avoid potential risks and hazards common to your business operations. We work with you to establish risk management strategies and best practices that enhance the effectiveness of your hazard controls and increase employee involvement in managing your risk profile. A highly experienced team of safety professionals will guide you in controlling costs and improving your bottom line.

Loss Control services provided to Berkshire United policyholders include:

• Development of customized loss control service plans in partnership with our customers
• Safety training for management and supervisors
• Training materials and resources for use throughout your organization
• Hazard identification surveys and safety inspection
• Research and direction on OSHA regulations (Federal, CalOSHA, and state-specific)
• Accident investigations of serious injuries to identify root causes and corrective action plans
• Noise level – preliminary evaluations
• Proven expertise in providing direction and support toward effective safety programs

Please email your inquiries to the Loss Control Service Center at [email protected].

Client Services – The Critical Difference in Simplifying Your Insurance Program Management

Client Services is a leading customer care initiative, and we tailor our efforts to our customers’ individual needs. Our team's sole objective is to provide a highly professional, single point of contact who can offer support, answer questions, provide training, and coordinate with all other Berkshire United team members to ensure satisfaction.

About Berkshire Hathaway Specialty Insurance:

For our General Liability insurance products, we partner with Berkshire Hathaway Specialty Insurance Company (“BHSIC”). BHSIC is grounded in the financial strength of Berkshire Hathaway and the expertise, integrity, and character of their team members. BHSIC has the financial strength to be there for you when you have a claim, as well as the experience, expertise, and renowned service record you can count on.

What Does Commercial Auto Insurance Cover?

• Bodily Injury Liability Coverage: This coverage provides payment in cases of bodily injury or death resulting from an accident for which you are at fault.
• Property Damage Liability Coverage: If your vehicle accidentally causes damage to another person’s vehicle, this coverage can protect you.
• Medical Payments, No-Fault, or Personal Injury Coverage: This coverage provides payment for any medical expenses that may arise due to an employee or a passenger traveling in your vehicle, regardless of who is at fault in an accident.
• Uninsured Motorist Coverage: This coverage provides payment for any medical expenses, or in some cases, property damage caused by a hit-and-run driver or an uninsured driver. Underinsured motorist coverage may also be included depending on the type of policy.
• Comprehensive Physical Damage Coverage: This coverage addresses damage resulting from theft, vandalism, flood, fire, and other specified hazards.
• Collision Coverage: This coverage provides payment for damage resulting from being hit by or hitting another object.
• Combined Single Limit: Liability policies provide different maximum dollar amounts that the insurer will pay for various components of a claim. A combined single limit policy states that the insurer will pay up to a certain dollar amount for the entire claim. It doesn’t matter whether all components of the claim are related to one person’s injuries, or whether there are multiple injured parties represented by the claim.

Product Highlights

• Guaranteed Cost coverage with $1 million Combined Single Limit
• Insurance Service Office’s (ISO) multi-state forms and endorsements
• Broadened who is insured to include:
  • Subsidiaries and Newly Acquired or formed Organizations as Insureds for a limited period
  • Employees & Lessors as Insureds
  • Vehicle Owned by the Executive Officers or spouse that are used primarily for business purposes
• Auto Enhancement Endorsement which includes multiple enhancements such as:
  • Increased: Supplemental Payments, Transportation Expenses, and Loss of Use Expenses
  • Fellow Employee coverage language
  • Autos Rented by Employees
  • Auto Loan/Lease Gap
  • Loss to Hired Auto (physical damage coverage)
  • Amended Duties in the Event of Accident, Claim, Suit, or Loss
  • Waiver of Subrogation
  • Unintentional Failure to Disclose Hazards
  • Mental Anguish that results from bodily injury

Claims is Our Product

We are committed to excellence in claims handling and bringing skill, efficiency, and transparency to all aspects of the claims process. Our service standards set our bar consistently high on everything from the acknowledgment of a claim to communication throughout the life of a loss – eliminating surprises to your business.

Client Services – The Critical Difference in Simplifying Your Insurance Program Management

Client Services is a leading customer care initiative, and we tailor our efforts to our customers’ individual needs. Our team's sole objective is to provide a highly professional, single point of contact who can offer support, answer questions, provide training, and coordinate with all other Berkshire United team members to ensure satisfaction.

About Berkshire Hathaway Specialty Insurance:

For our commercial auto insurance products, we partner with Berkshire Hathaway Specialty Insurance Company (“BHSIC”). BHSIC is grounded in the financial strength of Berkshire Hathaway and the expertise, integrity, and character of their team members. BHSIC has the financial strength to be there for you when you have a claim, as well as the experience, expertise, and renowned service record you can count on.

An umbrella insurance policy protects your business by providing an additional layer of protection above your core insurance policies, allowing additional flexibility in managing your business risk profile.

Umbrella Product Highlights

• $5 million in limits per occurrence (up to $10 million for select risks)
• BHSI Proprietary multi-state form and endorsements
• $1 million General Liability, EL & Auto attachments
• Automatic coverage for anyone qualifying as an insured on a primary policy
• Automatic Waiver of Subrogation and Protection for unintentional failure to disclose
• Broad definition of bodily injury includes mental anguish, mental injury, shock, and humiliation
• Coverage Territory is the United States, its territories, Puerto Rico, and Canada

**Available only as a bundled solution over Berkshire United’s primary GL and Auto

Claims is Our Product

We are committed to excellence in claims handling and bringing skill, efficiency, and transparency to all aspects of the claims process. Our service standards set our bar consistently high on everything from the acknowledgment of a claim to communication throughout the life of a loss – eliminating surprises to your business. We harness the latest claims handling technologies but are well aware that claims handling, at its core, is about people: People helping people recover from a loss, a business disruption, or a lawsuit large or small. Consequently, we bring both skill and compassion to the process. We are highly experienced and readily accessible: All customers have direct access to our claims handling team.

About Berkshire Hathaway Specialty Insurance:

For our commercial auto insurance products, we partner with Berkshire Hathaway Specialty Insurance Company (“BHSIC”). BHSIC is grounded in the financial strength of Berkshire Hathaway and the expertise, integrity, and character of their team members. BHSIC has the financial strength to be there for you when you have a claim, as well as the experience, expertise, and renowned service record you can count on.