50
States

The Gray Insurance Company is admitted in 50 states and works with licensed retail agents to provide multi-state coverages, claims management, and loss prevention services.

Gray has over 70 years of
experience insuring

Energy Sector Services

Heavy and Civil Construction

Specialty Trade and Industrial Contractors

Land, Maritime, and USL&H

Medium to Large Casualty Risks

Energy Sector Services

Heavy and Civil Construction

Specialty Trade and Industrial Contractors

Land, Maritime, and USL&H

Medium to Large Casualty Risks

Energy Sector Services

Heavy and Civil Construction

Specialty Trade and Industrial Contractors

Land, Maritime, and USL&H

Medium to Large Casualty Risks

Energy Sector Services

Heavy and Civil Construction

Specialty Trade and Industrial Contractors

Land, Maritime, and USL&H

Medium to Large Casualty Risks

Energy Sector Services

Heavy and Civil Construction

Specialty Trade and Industrial Contractors

Land, Maritime, and USL&H

Medium to Large Casualty Risks

Commercial Casualty Program

Workers' Compensation

Workers’ Compensation

Discover our commitment to caring for your employees and getting them back to work.

Commercial General Liability

Commercial General Liability

Experience peace of mind with Commercial General Liability protection.

Maritime Liability

Maritime Liability

Safeguard your maritime operations and navigate the waters with confidence.

Business Auto

Business Auto

Prioritizing safety and protection for your fleet.

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.

Excess WC Buffer Layer Program

Surplus Lines Excess Liability Program

Commercial Casualty Program Highlights

The Gray Insurance Company offers a loss-sensitive program of insurance, providing primary coverages for:

Workers’ Compensation Icon
Workers’ Compensation
Commercial General Liability Icon
Commercial General Liability
Maritime Liability Icon
Maritime Liability
Business Auto Icon
Business Auto

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.

a hand holding a checkmark icon

The Gray plan offers our insured partners the opportunity for considerable savings and a more active, participatory role than that of other markets.

umbrella over a dollar sign icon

Loss funds not used to pay claims within the deductible become the insured’s realized savings in the program.

Committed to your business

We collaborate with you to mitigate risk, control claims, and prioritize your safety while you enjoy personalized support and the opportunity for savings.