Primary General Casualty

What is Primary General Casualty?

Primary admitted automobile liability, general liability and workers’ compensation coverage.

  • Guaranteed cost, deductible and self-insured retention ($100K and below) program structures available; minimum premium of $100Kper casualty line of business.
  • Broad industry appetite for retail and wholesale, manufacturing, hospitality and leisure and technology and professional services. 
  • Specific appetite for energy-related accounts includes oil and gas, power generation and utilities, exploration and production and renewable and alternative energy industries.

Guaranteed cost specialty workers’ compensation coverage for mid-sized businesses focusing on premium of $50K or greater for companies working with wholesale brokers.

  • Manufacturing, healthcare, hospitality and leisure, retail and wholesale stores, technology and professional services accounts preferred. 

Customized, multi-state programs that combine State Act Workers’ Compensation and coverage under the USL&H Compensation Act.

1For certain classes, lower minimum premium threshold may apply

The AIG Advantage

Claims Expertise

  • Claims professionals average 20+ years of claims handling experience; 70% are former attorneys. 
  • Teams have specialized expertise by geography, claim size, industry and program structure, offering personalized support to decrease downtime for companies and their injured workers after a claim.
  • Proprietary settlement strategies and access to elite defense attorneys nationwide help to maximize settlement values and mitigate adverse development. 
  • AIG’s Nurse Triage and Outcome Based Network Program provides injured workers the appropriate treatment and helps avoid unnecessary ER care or doctor visits in the majority of U.S. states, resulting in self-treatment for 30-40% of calls.

Specialized Underwriting

  • In-depth industry and underwriting expertise for general casualty, specialty workers’ compensation risks and
    energy-related businesses.
  • Account servicing, coverage and claims handling available across all 50 states provide insureds with a strong platform to handle multi-state risks.

Risk Consulting

  • Risk consultants provide guidance and develop effective safety and risk management solutions with insureds.
  • RiskTool Advantage® provides web-based e-learning for workplace safety, training, accident investigation and risk engineering topics.
  • Safety Concierge Services offer clients quick access to a vast network of industry experts; learn more at


Problem Solvers

Challenge: A retailer experienced a high incidence of repetitive motion injuries with employees in the clothing-sorting areas.

Solution: AIG’s risk consultants performed ergonomic assessments to identify high risk areas and advised that work tasks be modified. They then conducted training for employees at several locations.

Benefit: After 12 months, the client experienced a reduction of more than 75% in repetitive motion injuries which resulted in a savings for the client of over $850,000.

Creative Solutions

Challenge: An electronic parts distributor needed to reduce manual material handling injuries in their distribution centers. Safety practices and training were inconsistent at their warehouses across continents.

Solution: Our casualty risk consultants created a standardized safety program and conducted safety training at several key facilities. Management was also trained to consistently manage risk and training.

Benefit: Within nine months the severity and frequency of work-related material handling injuries was reduced more than 20%.

Claims Expertise

Challenge: A manufacturer sought improved access to its real-time claims data for its automobile liability, general liability and workers’ compensation policies. 

Solution: AIG’s claims expertise and services, including IntelliRisk®, addressed the client’s needs and they bound a new automobile liability, general liability and workers' compensation program. 

Benefit: The client was especially impressed with IntelliRisk’s detailed, real-time claim information and automated reporting, providing the ability for in-depth analysis to manage risk more effectively.

National Leadership

Barbara Luck

President of North America Retail Casualty

Nina Corbo

Head of Primary Casualty Guaranteed Cost 

Frank Gallina

Head of North America Primary General Casualty, Global Energy Middle Market (GEMM) and Specialty Workers’ Compensation

Peter Macdonald

Head of North America Casualty and Workers’ Compensation Claims

Shirleen Laubenthal

Casualty Risk Consulting Leader


Downloadable Materials