GUARD Insurance began operations in 1983, with the establishment of its first subsidiary at Wilkes-Barre in Pennsylvania. The company wrote its first insurance policy one year later for about half a million dollars as premium. With excellent services and intelligent insurance solutions, GUARD Insurance reached the $100 million mark in 2000. With the economic boom in the early 2000s, the company attained $200 million in 2008.
For expansion of services, the company added subsidiaries for different regions. According to the data collected from the company website for 2008, GUARD Insurance has four functional subsidiaries, AmGUARD, EastGUARD, NorGUARD and WestGUARD. To facilitate consumer growth, GUARD Insurance has merged with other companies, the biggest being Clal Insurance Enterprises Holdings, Ltd. The company has 38,000 insured employers and 500 agents across different regions of operations. The company holds the license for 44 US states and operates in 26 states.
GUARD Insurance offers the following policy covers:
Worker’s compensation: The flagship product of the company is available in 25 states and in Columbia.
GUARD Business Shield: This is a business owners’ policy. It covers all the business property and liability claims. The company offers customized coverage based on the specific requirements of each client. This service is limited to certain operational regions only.
GUARD Business Shield for Commercial Auto: This policy covers commercial vehicles for physical damage or liability claims with optional price limits.
GUARD Business Shield for Commercial Umbrella: This policy offers an umbrella cover for different sorts of commercial liabilities associated with business conduct.
GUARDCo performs healthcare management activities to assist GUARD Insurance subsidiaries. The specialist services offered by GUARDCo include:
Assembles service providers facilitating healthcare
Undertakes case-management services
Handles claim management
Performs utilization reviews
Speeds up the claim return procedure for injured employees
GUARD Insurance also has web presence and runs a hotline number for delivering quality customer care services.