Berkshire Hathaway Homestate Companies (BHHC) is a group of six insurers in the Berkshire Hathaway Insurance Group that sells commercial auto, commercial property and workers’ compensation coverage (BHHC). For an injury claim against a truck or other vehicle BHHC insures, call its commercial auto claims line, (800) 356-5750, available 24/7 (BHHC). Beverly Law does not work for or with BHHC.
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Who is Berkshire Hathaway Homestate Companies?
BHHC says it began more than 50 years ago as eight separately managed regional insurers (BHHC history). Its six carriers today are:
- Berkshire Hathaway Homestate Insurance Company (Omaha, Nebraska)
- Oak River Insurance Company (Omaha)
- Redwood Fire and Casualty Insurance Company (Omaha)
- Cypress Insurance Company (San Francisco)
- Continental Divide Insurance Company (Denver)
- BHHC Special Risks Insurance Company (North Liberty, Iowa)
Your paperwork may show any one of these names. BHHC says its commercial auto insurance may be provided by any of them, and its claims page lists one commercial auto claims line rather than one per carrier.
What vehicles does BHHC insure?
BHHC says its commercial auto product targets local to long-haul trucks, public auto transportation and other classes, with non-emergency medical transport, contractor vehicles and tow trucks as examples, and that it is offered in 36 states (BHHC commercial auto). Its listed coverages include auto liability, medical payments for occupants, uninsured and underinsured motorist, cargo and hired or non-owned auto liability (BHHC coverages).
The hired and non-owned coverage matters if the vehicle that hit you was rented or borrowed by a business. Even if the business did not own it, its BHHC policy may still respond.
Which BHHC claims number do I call?
BHHC’s contact page lists separate lines (BHHC contact):
| What happened | BHHC claims line |
|---|---|
| A truck or other commercial vehicle BHHC insures hit you | (800) 356-5750 |
| You were hurt on the job and your employer’s comp carrier is BHHC | (800) 661-6029 |
The commercial auto claims page also lists a mailing address, BHHC Claim Operations, PO Box 31361, Omaha, NE 68131-0361. When you call, have the carrier name and USDOT number from SAFER, the police report number and the policy number if you have it.
I was working when a truck hit me. Do I have two claims?
Often, yes. If you were on the job, you can usually claim workers’ compensation from your employer’s carrier and also bring an injury claim against the at-fault truck company. California says an employee’s comp claim does not affect the right to sue a third party other than the employer (Cal. Labor Code 3852). Texas lets an injured employee seek damages from a liable third party while also pursuing comp benefits (Tex. Labor Code 417.001). Washington lets an injured worker elect to seek damages from a third person who is not in the same employ (RCW 51.24.030).
The comp carrier generally gets paid back from the third-party recovery for benefits it paid, so the two claims have to be coordinated. If BHHC is on both sides, ask for separate claim numbers and keep the files apart.
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What should I watch for with the adjuster?
Keep early calls short. Confirm who the adjuster works for and which BHHC company issued the policy. You generally do not have to give the other side’s insurer a recorded statement to open the claim, and any medical release should be limited to the injuries from this crash. Ask in writing for the liability limits, including any excess policy. Most interstate for-hire freight trucks of 10,001 pounds or more must carry at least $750,000 (49 CFR 387.9). Ask the carrier, early and in writing, to keep its driver logs, which only have to be kept six months (49 CFR 395.8).
What claim rules apply in California, Texas and Washington?
In California, the insurer generally must respond to your communications within 15 calendar days (10 CCR 2695.5) and accept or deny the claim within 40 calendar days of proof of claim, or explain in writing every 30 days (10 CCR 2695.7). Washington generally requires acknowledgment within 10 business days (WAC 284-30-360). In Texas, ask for any denial in writing, as the Department of Insurance recommends (TDI). Texas cases are handled by the firm’s Texas-licensed attorneys, Joyce Ondich and John Efstathiou.
What to do now
- Get treatment and tell the doctor how you were hurt.
- If you were working, report the injury to your employer.
- Find which BHHC company is named on the policy.
- Call the right BHHC line and note each claim number.
- Ask in writing for liability limits and any excess policy.
- Send a letter asking that logs and video be preserved.
- Talk to a lawyer before signing a release in either claim.
Talk to Beverly Law about a BHHC claim
For a free review in English or Spanish, call (310) 552-6959. You owe no fees or costs unless we win. Our truck insurance claims section covers other carriers.
Common questions
What is BHHC’s commercial auto claims phone number?
(800) 356-5750, which BHHC says is available 24/7. Its workers’ compensation claims line is (800) 661-6029.
Is BHHC part of Berkshire Hathaway?
Yes. BHHC says it is part of the Berkshire Hathaway Insurance Group.
Is Cypress Insurance Company the same as BHHC?
Cypress is one of the six BHHC carriers, based in San Francisco.
How long do I have to sue the truck company?
Generally two years in California (California Courts) and Texas (Tex. Civ. Prac. & Rem. Code 16.003), and three years in Washington (RCW 4.16.080). Comp claims have their own, separate deadlines.
Can I sue my employer if BHHC is its comp carrier?
Usually not. Workers’ comp is generally the only remedy against the employer, which is why the claim against the outside truck company matters.
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Related pages
Truck Insurance Claims · Truck insurance claims · National Indemnity Company claims · Northland Insurance claims · Can I sue a truck driver for hitting me? · Law Blog
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Sources
- BHHC, home page
- BHHC, Our history
- BHHC, Contact us
- BHHC, Commercial auto
- BHHC, Commercial auto coverages
- BHHC, Commercial auto report a claim
- Cal. Labor Code 3852
- Tex. Labor Code 417.001
- RCW 51.24.030
- 49 CFR 387.9
- 49 CFR 395.8
- FMCSA, SAFER Company Snapshot
- Cal. Code of Regulations, title 10, section 2695.5
- Cal. Code of Regulations, title 10, section 2695.7
- WAC 284-30-360
- Texas Department of Insurance, Accident not your fault?
- California Courts Self-Help, Statute of limitations
- Tex. Civ. Prac. & Rem. Code chapter 16 (16.003)
- RCW 4.16.080
Important: This page is general information, not legal advice, and reading it does not create an attorney-client relationship with Beverly Law. Laws change and every case is different; talk to a lawyer about your own situation. Attorney advertising. Prior results do not guarantee a similar outcome. You owe no fees or costs unless we win. Texas cases are handled by the firm’s Texas-licensed attorneys, Joyce Ondich and John Efstathiou. Last reviewed: 2026-11-12.