AmGUARD Insurance Company is one of the Berkshire Hathaway GUARD Insurance Companies, based in Wilkes-Barre, Pennsylvania, and part of the National Indemnity group owned by Berkshire Hathaway (GUARD). To report an injury claim against a vehicle a GUARD company insures, call 1-888-NEW-CLMS (1-888-639-2567) or email claims@guard.com (GUARD claims). Beverly Law does not work for or with AmGUARD.
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Who is AmGUARD Insurance Company?
GUARD’s company page says Berkshire Hathaway GUARD Insurance Companies is the trade name for WestGUARD Insurance Company and its insurance subsidiaries: AmGUARD, NorGUARD and EastGUARD, plus AZGUARD for surplus lines. AmGUARD is domiciled in Nebraska and licensed in every state and the District of Columbia. WestGUARD is a subsidiary of National Indemnity Company, which is wholly owned by Berkshire Hathaway Inc. All of the companies list their principal place of business at 39 Public Square in Wilkes-Barre.
GUARD’s listed products are businessowner’s policies, commercial auto, commercial umbrella, disability, general liability and workers’ compensation. Your paperwork may say AmGUARD, NorGUARD or EastGUARD; GUARD lists one claims number and one claims email for reporting.
What vehicles does GUARD insure?
GUARD’s commercial auto page describes coverage for cars, trucks, vans and other vehicles owned, rented or leased by a business and used for business purposes (GUARD commercial auto). It names artisan contractors, delivery and distribution businesses, professional offices, service and repair shops and hotel shuttles among its targets. Hired and non-owned vehicles can be added by endorsement.
That points to a different kind of crash than a big-rig case: a contractor’s pickup, a delivery van, a hotel shuttle. GUARD’s commercial auto page lists liability limits up to $1 million combined single limit, and not every GUARD company offers every option in every state.
How do I report a claim to GUARD?
GUARD lists three ways: call 1-888-639-2567, use its online claim report form, or email claims@guard.com. Its list of helpful information includes the policy number, how, when and where it happened, the names, addresses and phone numbers of injured or involved people and witnesses, and, for liability claims, any legal correspondence. Prepare:
- The business name, the driver’s name and the policy number if you have it.
- The police report number, date and location.
- A short written description of what happened.
- Photos, and a list of the doctors and hospitals that treated you.
GUARD also lets people upload photos and documents. Keep your own copy of everything you send, with the date.
How much coverage might a GUARD-insured vehicle have?
State minimums set the floor for most local business vehicles:
| State | Minimum injury liability |
|---|---|
| California | $30,000 per person, $60,000 per accident (DMV) |
| Texas | $30,000 per person, $60,000 per collision (Transp. Code 601.072) |
| Washington | $25,000 per person, $50,000 per accident (RCW 46.29.090) |
GUARD also sells commercial umbrella policies, so a business may have more. Ask in writing for every policy that applies and its limits before you discuss numbers.
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I was hurt at work by another company’s vehicle. Who pays?
If your own employer’s comp carrier is a GUARD company, that comp claim generally pays medical care and part of lost wages. You may also have a claim against the other vehicle’s owner. California says a comp claim does not affect the right to sue someone other than the employer (Labor Code 3852); Texas allows a damages claim against a liable third party alongside comp (Labor Code 417.001); and Washington, where comp is paid by the state department or a self-insured employer rather than a GUARD company, lets the worker elect to sue a third person not in the same employ (RCW 51.24.030). The comp carrier usually has a right to be repaid from that recovery.
What rules protect claimants in California, Texas and Washington?
California’s fair claims rules cover third-party claimants (10 CCR 2695.2). Insurers generally must respond within 15 calendar days (10 CCR 2695.5) and accept or deny within 40 calendar days of proof of claim, with written updates every 30 days (10 CCR 2695.7). Washington generally requires acknowledgment within 10 business days (WAC 284-30-360). In Texas, ask for any refusal in writing (TDI). Texas cases are handled by the firm’s Texas-licensed attorneys, Joyce Ondich and John Efstathiou.
What to do now
- Get medical care and keep the records.
- Write down the business name on the vehicle.
- Report the claim at 1-888-639-2567 or claims@guard.com.
- Ask for the policy limits and any umbrella policy in writing.
- If you were working, report the injury to your employer too.
- Keep a dated copy of everything you send.
- Get legal advice before signing a release.
Need help with an AmGUARD claim?
Call (310) 552-6959 for a free review of your injury claim in English or Spanish. You owe no fees or costs unless we win. Our truck insurance claims section lists other carriers.
Common questions
What is the AmGUARD claims phone number?
GUARD lists 1-888-NEW-CLMS (1-888-639-2567) for new claims, and claims@guard.com.
Is AmGUARD part of Berkshire Hathaway?
Yes. GUARD says WestGUARD, its holding company, is a subsidiary of National Indemnity, which Berkshire Hathaway owns.
Are AmGUARD and NorGUARD different companies?
Yes, they are separate insurers in the same group, and GUARD lists the same claims number for both.
How long do I have to sue?
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). If a public agency owned the vehicle, the deadline for a first claim to the agency is generally much shorter.
Will GUARD pay my bills right away?
Usually not. The other side’s liability insurer generally pays at settlement. Your own medical payments coverage or health insurance may help in the meantime.
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Related pages
Truck Insurance Claims · Truck insurance claims · Berkshire Hathaway Homestate Companies claims · Artisan and Truckers Casualty Company claims · Can I sue a truck driver for hitting me? · Law Blog
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Sources
- Berkshire Hathaway GUARD, Our company
- Berkshire Hathaway GUARD, Claims
- Berkshire Hathaway GUARD, Commercial auto
- California DMV, Insurance requirements
- Tex. Transp. Code 601.072
- RCW 46.29.090
- Cal. Labor Code 3852
- Tex. Labor Code 417.001
- RCW 51.24.030
- Cal. Code of Regulations, title 10, section 2695.2
- 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.