B
Berkshire Hathaway Direct Ins
Omaha,  NE
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
3.25
Risk Adjusted
Capital Ratio #2
1.86
Loss
Ratio
68.97%
Total
Assets
918.55M
Capital
211.76M
Net
Premiums
45.12M
Net
Income
-5.62M
My Lists My Alerts
Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
1,310
1,166
2,476
47.09%
23.31%
2023
431
103
534
19.29%
22.83%
2022
392
109
501
21.76%
23.10%
2021
217
195
412
47.33%
22.81%
2020
116
34
150
22.67%
21.51%
2019
22
12
34
35.29%
22.66%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
331
1,008
1,339
75.28%
47.45%
2023
192
1,016
1,208
84.11%
47.29%
2022
280
142
422
33.65%
45.44%
2021
186
198
384
51.56%
44.40%
2020
122
33
155
21.29%
42.45%
2019
15
22
37
59.46%
44.33%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
1,213
1,679
2,892
58.06%
41.74%
2023
0
0
0
0.00%
38.64%
2022
9
7
16
43.75%
39.39%
2021
28
24
52
46.15%
40.41%
2020
77
92
169
54.44%
48.09%
2019
48
76
124
61.29%
43.30%
Other Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
33
359
392
91.58%
81.44%
2023
6
144
150
96.00%
74.87%
2022
8
111
119
93.28%
72.69%
2021
2
60
62
96.77%
79.01%
2020
6
17
23
73.91%
80.13%
2019
1
3
4
75.00%
77.47%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
118
83
201
41.29%
12.32%
2023
117
79
196
40.31%
16.34%
2022
24
4
28
14.29%
11.13%
2021
6
2
8
25.00%
18.93%
2020
0
0
0
0.00%
20.93%
2019
0
0
0
0.00%
16.90%
Product Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
2
4
6
66.67%
63.97%
2023
10
9
19
47.37%
62.55%
2022
23
2
25
8.00%
56.52%
2021
0
0
0
0.00%
62.74%
2020
0
0
0
0.00%
61.51%
2019
0
0
0
0.00%
70.02%
Workers' Compensation
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
504
433
937
46.21%
35.33%
2023
505
261
766
34.07%
35.67%
2022
221
240
461
52.06%
37.14%
2021
171
249
420
59.29%
35.46%
2020
89
98
187
52.41%
33.86%
2019
87
76
163
46.63%
34.01%