Our Carriers

Berkshire Hathaway Homestate Companies

We work with BHHC (AM Best A++ XIV) to provide Workers’ Compensation coverage for a variety of business types and sizes across the country.  BHHC is renowned for underwriting tough risks and providing outstanding loss control and claims handling services.

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Berkshire Hathaway Homestate Companies offers numerous A++ XIV Rated papers. California includes Cypress Insurance Company, Oak River Insurance Company; Redwood Fire & Casualty, Berkshire Hathaway Homestate Insurance Company (BHHIC), Continental Divide, Brookwood and more!  KZ has decades of background with BHHC and access to ALL of these BHHC workers compensation papers across the country.

BHHC has become renowned for their outstanding loss control and claims handling services. All claims handling is handled in-house at BHHC, as opposed to many other carriers who utilize outside, 3rd-party administrators. BHHC has a very enviable average closing time on claims. BHHC’s loss control consultants are largely employees of the company, providing thorough service and communication with the insureds. KZ Insurance works closely with BHHC’s Client Services, Claims and Loss Control Departments to help drive those ex-mods down.

The workers compensation appetite is extremely broad, often making BHHC a very competitive alternative to the various state funds across the country as well as being price competitive with other standard carriers.


With the famous red umbrella, Travelers is quickly recognized as one of the premier carriers in the industry.  By teaming up with Travelers (AM Best A++ XV), we are able to provide a wide range of business policies, including Business Packages, Inland and Ocean Marine, Umbrella, Workers’ Compensation, and more!

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Travelers is rated A+ XV by A.M. Best. KZ sees their strength including a broad, competitive package market, and being quite competitive with their Business Auto quotes.

Travelers’ package appetite includes a wide variety of classes, including technology risks, restaurants, apartment buildings, auto service, wholesale distributors, retail stores and much more. Packages can be quoted with unusually high limits for similar programs.

Travelers’ workers’ compensation class appetite is relatively light; however, if you have workers’ comp needs fitting the main-street-type classes of office, retail, restaurant, and other similar risks, you will want to submit to Travelers through KZ.

Omaha National

A Rated Omaha National specializes in worker’s compensation coverage in Arizona, California, Illinois, Indiana, Iowa, Missouri, Nebraska, New Jersey, Pennsylvania and Wisconsin. The appetite is for mod rated business up to $500K in premium and they are most interested in higher risk class codes involving moderate to no heights and depths. Debit ex-mods are welcome!

The Hartford

We offer outstanding surety bonds through our partnership with The Hartford (AM Best A++ XV). Founded in 1810, The Hartford is one of the most recognizable names in the industry.  With this kind of strength and reputation, just the offering of this market brings increased respect to your presentation.

More Carriers!

We also have access to various other carriers for workers compensation and other markets, as well as PEOs and Surplus Lines, for a wide variety of coverage needs.


Have a risk you need quoted?  Contact us now!

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