AmGUARD, EastGUARD, and NorGUARD Insurance Companies, part of Berkshire Hathaway’s GUARD Insurance Group, filed a Michigan update introducing a point-based underwriting evaluation system for new business. The approach assigns risks to a specific carrier based on objective score ranges, such as 60 or higher for EastGUARD and 30 to 59 for AmGUARD.

The scoring model incorporates multiple risk indicators, including Dun & Bradstreet credit data, hazard grades, and experience modification factors. Policies with multistate exposure or manual premium below $1,000 will default to AmGUARD. The change is designed to standardize carrier placement decisions using a structured, data driven framework.