A++ AM Best for 34 consecutive years — reaffirmed March 2026. Broad commercial auto appetite and strong landlord rental dwelling property backed by the Berkshire Hathaway name.
The Berkshire Hathaway Homestate Companies (BHHC) is a group of six regional insurance carriers — Berkshire Hathaway Homestate Insurance Company, BHHC Special Risks Insurance Company, Continental Divide Insurance Company, Cypress Insurance Company, Oak River Insurance Company, and Redwood Fire and Casualty Insurance Company — all part of the Berkshire Hathaway Insurance Group. BHHC has maintained an A++ (Superior) AM Best financial strength rating for 34 consecutive years, reaffirmed most recently in March 2026. That record of sustained A++ ratings is one of the most durable in the industry.
BHHC writes three core commercial lines: commercial auto, commercial property, and workers compensation. Their commercial auto program is notable for its broad appetite — Dane Roti reaches for BHHC when a commercial auto account has characteristics that cause other carriers to decline or price aggressively. Their landlord rental dwelling property program provides competitive coverage for investment property owners, with the Berkshire Hathaway financial backing that lenders and sophisticated investors recognize and respect.
Options Insurance places commercial auto and landlord rental dwelling property with BHHC. The Berkshire Hathaway name carries immediate credibility with business clients — the same financial institution behind GEICO, General Re, and dozens of other insurance entities. Dane's experience with BHHC has been consistent with what their reputation promises: strong products backed by unmatched financial strength.
What makes BHHC a reliable commercial option in the Options Insurance portfolio.
BHHC's commercial auto program is Dane's first call for commercial auto accounts that other carriers approach cautiously. Their broad appetite covers a range of vehicle types, uses, and business classes that standard commercial auto markets often restrict. For businesses whose commercial auto profile creates friction with standard carriers — vehicle mix, driver demographics, business class, or claims history — BHHC's appetite frequently provides a solution where others decline.
BHHC's property appetite for landlord and rental dwelling coverage is competitive and broad. For property investors who want the Berkshire Hathaway financial backing behind their rental property coverage, BHHC provides a credible, well-priced option. The combination of strong financial ratings and competitive landlord property pricing makes BHHC a natural consideration for real estate investors who recognize and value the Berkshire name.
BHHC's 34-year record of consecutive A++ AM Best ratings is exceptional — very few insurance groups of any size have maintained the highest possible rating for that long without interruption. This isn't just a number on a page: it reflects Berkshire Hathaway's investment discipline, underwriting standards, and capital allocation philosophy across multiple insurance cycles, catastrophe years, and market conditions. For business clients who care about carrier quality, BHHC's track record is a compelling answer.
BHHC offers 24/7 claims reporting for commercial auto, commercial property, and workers comp through their online platform at bhhc.com. Policyholders can manage policies, make payments, and access documents through the digital portal. For business clients who need claims support outside business hours — a commercial auto accident at 11pm, a property event over a weekend — BHHC's 24/7 claims availability is a meaningful operational feature.
No carrier is perfect. Here are the honest trade-offs to know about BHHC.
BHHC writes commercial auto, property, and workers comp only. No personal lines. We use other carriers for personal coverage alongside BHHC commercial placements.
Six regional companies with varying state availability. We confirm the appropriate BHHC company and state availability before every placement.
BHHC focuses on commercial auto, property, and WC. Full-service commercial accounts use BHHC alongside other carriers in our portfolio for GL, professional liability, and other lines.
Here's when BHHC is the right commercial choice — and who benefits most from the A++ Berkshire Hathaway backing.
"BHHC's broad commercial auto appetite and strong property appetite for landlord rental dwellings make them a reliable commercial market. Backed by Berkshire Hathaway's A++ financial strength — 34 consecutive years — BHHC brings credibility that business clients recognize and lenders respect."
— Dane Roti, Commercial Lines Agent, Options Insurance
Already a Berkshire Hathaway Homestate Companies client through Options Insurance? Here are the resources you need.
Available 24/7 online for commercial auto, commercial property, and workers comp claims. BHHC works with a nationwide network of adjusters committed to resolving claims quickly and fairly. Your Options Insurance agent can help coordinate the process.
Policy changes, billing, and general service. Dane manages BHHC relationships directly through the agent portal for all commercial auto and property placements.
Manage your BHHC policy, make payments, file claims, and access documents online. The policyholder portal handles the full range of self-service needs for commercial policyholders.
BHHC's AM Best rating history — 34 consecutive years of A++ Superior, most recently reaffirmed March 2026. For clients or lenders who want documentation of carrier financial strength, this is the authoritative source.
Dane is Options Insurance's lead commercial lines agent and primary BHHC placement agent. He reaches for BHHC for commercial auto accounts with broad appetite needs and for landlord property clients who want the Berkshire Hathaway financial backing. "Broad commercial auto appetite and strong landlord rental dwelling property — backed by A++ for 34 consecutive years."
Tell us a little about what you need. One of our agents will follow up — usually same business day.
No obligation. We'll assess your commercial needs and find the right BHHC solution.
We'll assess your commercial auto or property needs and confirm BHHC is the right fit.
Start Your Free Quote →The opinions expressed on this page reflect the experience of Options Insurance agents based on policies placed and client feedback received over 15 years. Individual results may vary. Options Insurance is appointed with Berkshire Hathaway Homestate Companies as an independent agent. This review is not sponsored, approved, or endorsed by BHHC or Berkshire Hathaway Inc. AM Best, J.D. Power, and NAIC data are sourced from publicly available reports and are cited for informational purposes. Ratings are subject to change. Berkshire Hathaway Homestate Companies is a group of six insurance carriers: Berkshire Hathaway Homestate Insurance Company, BHHC Special Risks Insurance Company, Continental Divide Insurance Company, Cypress Insurance Company, Oak River Insurance Company, and Redwood Fire and Casualty Insurance Company. All maintain A++ (Superior) AM Best ratings. Coverage availability varies by state and company. Comparison data is based on publicly available third-party research. Coverage availability and terms vary by state, risk profile, and underwriting criteria. This page does not constitute a coverage guarantee or binding commitment.