Our Carriers

KZIB Carriers BHHC - 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 and Oak River Insurance Company; other states include Berkshire Hathaway Homestate Insurance Company (BHHIC), Redwood Fire and Casualty, Continental Divide, Brookwood and more!

KZ has access to ALL of these BHHC papers across the country. Our relationship with BHHC started several years ago during the beginnings of the former AARIS group. Kathy Zeanah, founder of KZ Insurance, was then employed by another General Agency and worked directly with the start-up group of AARIS. KZ Insurance Brokerage was started soon afterwards, at the urging of the owner of AARIS. As AARIS grew, so did KZ. In 2006, when Berkshire Hathaway purchased AARIS, we were right there for the transition. AARIS became BHHC, and as BHHC has grown and expanded their appetite both in class and geography, so have we.

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.

trav 1797K - Our 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.

hartford logo - Our Carriers

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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