Large Casualty Program

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Gus Aivaliotis, Vice President – Casualty and Product Development, discusses Safety National’s Large Casualty Program
Since 1942, Safety National has provided continuous service to thousands of employers nationwide, working with clients to develop specialized products that fit their needs. Consistent with that approach, Safety National's Large Deductible Workers' Compensation product provides employers with the advantages of self-insurance through a primary policy. For insureds that desire multi-line coverage, Safety National also offers Commercial Auto and General Liability coverage, uniting our signature underwriting approach with additional options for employers.

The features of Safety National's Large Casualty Program include:

  • Paid Loss Deductible Program for Workers' Compensation, General Liability and Commercial Auto Liability; Paid Loss Retrospective Rating Plan available for Workers' Compensation in certain states
  • Low minimum retention levels
    • As low as $250,000 for Workers' Compensation
    • $100,000 for General Liability
    • $100,000 for Auto Liability

  • Limits of $1 million per occurrence/$2 million aggregate for General Liability
    $1 million Combined Single Limit for Auto Liability
    Statutory Workers' Compensation with Employers Liability limits of
    $1million/$1million/$1million
  • Admitted coverage and comprehensive ISO based product suite

  • No minimum loss pick and no minimum premium threshold. Eligible accounts must have strong risk management programs in place, along with a desire and ability to adequately fund for retained losses and provide needed collateral to support credit risk

  • Bundled or unbundled claim services are available. Safety National partners with a select group of national Third Party Administrators.

  • Enhanced Risk Control services are available through MAP Client Services, Safety National's coordinated approach to injury prevention and claim cost containment.


Underwriting Appetite

Large Deductible Workers' Compensation: Broad appetite including most industry groups

Auto and General Liability: Selected Manufacturers, Wholesalers and Retailers

Large Deductible Workers' Compensation
Target Classes

  • Technology
  • Healthcare
  • Manufacturing
  • Food-related Industries
  • Retail
  • Wholesale Distributors
  • Universities & Colleges
  • Hospitality
  • Financial Institutions
  • Wineries & Liquor Operations
  • Gaming Operations

 AL/GL Target Classes

  • Textile and Clothing Manufacturers
  • Home Furnishings and Furniture Manufacturers
  • Plastic and rubber products manufacturers
  • Analytical Instruments and Component Part Manufacturers
  • Department and Clothing Stores
  • Furniture, Floor Covering and Home Furnishing stores
  • Grocery Stores and Supermarkets
  • Eating Places with limited Liquor Liability Exposure
  • Office Equipment and Electronics Distributors
  • Beer & Ale Distributors
  • Electrical Goods and Hardware Distributors

 AL/GL Restricted Classes Include:

  • Pharmaceutical Manufacturers
  • Invasive Medical Products
  • Trucking
  • Construction
  • Environmental
  • Public Livery
  • Professional Employer Organizations (PEO)

For more information please contact:

Gus Aivaliotis, CPCU
Vice President, Casualty and Product Development
Office Phone:  (314) 692-9546       

Click here to download our Large Casualty Program brochure.