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Core Products

Workers’ Compensation

Workers’ compensation coverage is our primary line of business. It is the only line we will write on a stand-alone basis. Competitive structures are offered utilizing guaranteed cost, retrospective rating, and large deductible designs. Statutory limits are provided for this line of business.

Commercial General Liability

We write general liability in conjunction with a workers’ compensation program. Optional structures are: guaranteed cost, large deductible, and retrospective rating programs. We can write primary limits up to $2MM/$4MM/$2MM for this line of business.

Commercial Automobile

Commercial automobile insurance is written only in conjunction with workers’ compensation and/or general liability coverages. Each line of insurance, including commercial auto, must meet our underwriting standards. We are able to price commercial auto offerings with higher deductibles when required. We have the capacity to write limits up to $2MM CSL for this line of business.

Program Designs

ORCIG offers:

  • Guaranteed Cost Plans
  • Retrospective Rating Plans
  • Large Deductible Plans