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General Casualty (Primary Admitted AL, GL, WC)

  • Standard and complex risks for Auto Liability, General Liability, and Workers’ Compensation

  • Minimum premium to consider coverage is $100K1 on an account basis

  • Structured through Guaranteed Cost polices as well as deductibles and SIRs $100K and below

1 Lower minimum premium threshold may apply (e.g. Middle Market Energy min. premium 50K)

  • Broad industry appetite for the following areas:

    • Retail and wholesale
    • Manufacturing
    • Hospitality and Leisure
    • Technology and Professional Services
    • Global Energy Middle Market (GEMM) focuses on underwriting WC, GL, and AL risks in the following areas: Power Generation and Utilities, Oil and Petrochemical Process and Refining, Exploration, Production, Drilling and Oilfield Service Contractors, Renewable and Alternative Energy
    • General Casualty has 50 state capability and excels at multi-state risks

Analytics & Training:

  • WC benchmarking allows clients to compare their WC loss performance against AIG’s industry analysis. Customized WC and Auto benchmark reports enables analysis to pinpoint loss drivers, improve safety, and ultimately reduce the total cost of risk

  • RiskTool Advantage: newly updated, web-based e-learning system for workplace safety, training, accident investigation, and risk engineering topics

  • Claims history reviews to help insureds prepare for current and future loss trends through industry analysis of potential GL claims drivers

Claims:

  • Best–in-class and expert WC claims staff average over 20 years of experience and have the ability to provide localized support through our 21 physical locations. General Casualty’s Claims team is comprised of specialists, 70% of whom are attorneys

  • Nurse Triage and Outcome Based Network program provides guidance for injured workers to receive the right treatment (resulting in self treatment for 30-40% of calls) and avoid unnecessary emergency room care or doctor’s visits (available in 36 states)

  • Nationwide legal support – in partnership with our national defense counsel, we are equipped to identify and address national trends while being able to implement solutions with adherence to any local nuances and regulations