Gray has over 70 years of
experience insuring
Commercial Casualty Program
Workers’ Compensation
The Gray Insurance Company’s Commercial Casualty Program offers coverage across jurisdictions. Workers’ Compensation is required in order to be eligible for a quote.
The Program includes:
- State Act
- United States Longshore and Harbor Workers’ Compensation Act (USL&H)
- Maritime Employers’ Liability
Rates and forms approved in all states except Hawaii and the District of Columbia.
Monoline policies are available.
General Liability
At The Gray Insurance Company, we offer Commercial General Liability coverage designed to protect against third-party bodily injury and property damage for which you may become liable in the course of your operations.
Standard ISO Form
Additional endorsements may be available, including:
- Vessel Liability
- Removal of Wreck
- Inclusion of Marine Liabilities (Wharfinger’s and Ship Repairer’s Legal)
- Underground Resources and Equipment
Rates and forms approved in most southeastern states. Please contact Business Development for a list.
Monoline policies not available.
Maritime Liability
The Program includes:
- Maritime Employers’ Liability for captain and crews of vessels (Jones Act seamen)
- Vessel Liability (via the General Liability policy)
- At Underwriting discretion, Removal of Wreck and Inclusion of Marine Liabilities (Wharfinger’s and Ship Repairer’s Legal) may be offered.
- Not intended to replace a Protection & Indemnity policy
Rates and forms approved in most southeastern states. Please contact Business Development for a list.
Monoline policies not available.
Business Auto
We offer Symbol 1 liability coverage on a fleet basis for owned, non-owned, and hired autos and automatic coverage for newly-acquired automobiles.
Auto Physical Damage is offered on a Symbol 7 and 8 basis and includes scheduled and hired autos and is subject to a separate per-unit deductible.
Uninsured Motorist available upon request for additional premium at various limits.
Rates and forms approved in most southeastern states. Please contact Business Development for a list.
Monoline policies not available.
Commercial Casualty Program Highlights
The Gray Insurance Company offers a loss-sensitive program of insurance, providing primary coverages for:
Most primary policies are issued with a per-occurrence SIR/Deductible ranging from $10,000-$250,000.
A first-dollar option may be available. Contact your Gray rep for more information.
An Opportunity for Savings
The Loss Fund is a bank account funded by each Gray insured that represents the variable cost portion of the commercial casualty program. Gray handles administration of the account and insured dollars are set aside to pay claims within the elected deductible.
The Gray plan offers our insured partners the opportunity for considerable savings and a more active, participatory role than that of other markets.
Loss funds not used to pay claims within the deductible become the insured’s realized savings in the program.
