Workers’ Compensation, Standard Property and Casualty and Political Subdivisions

Our standard line programs offer automobile, general liability, property, inland marine, umbrella and workers’ compensation insurance through our growing agency force.

NAICO offers a full range of coverages that can be tailored to meet the needs of virtually any business. We will consider most classes of business; however, we target companies in the oil and gas, contracting, manufacturing, service, retail, wholesale and trucking industries. Insurance products for public school districts have been a specialty of NAICO for many years. Some of our specialty products are supported and placed through our wholesale or managing general agency, Chandler Insurance Managers, Inc.

NAICO continues to write standard and specialty lines in its regional area and anticipates stable premium growth. Some recent workers’ compensation rate relief and reform have been obtained in various states. This has given us the ability to become more competitive on workers’ compensation programs. NAICO offers outstanding claims management and loss control services we feel are unparalleled in the industry. 

We take great pride in our ability to differentiate ourselves and our programs from our competitors. At NAICO we feel that we truly "Set the standard that others strive for" in our innovative approach to tailoring an insurance program for our insureds. This approach includes but is not limited to, large deductibles, multi-year programs, plans of retrospective rating, aggregate and corridor deductibles as well as any other creative structures that may be appropriate. By working with our agency partners, we have developed a good marketplace for insureds seeking deductibles $250,000 or less, but greater than $25,000. To sustain a deductible in excess of $25,000, substantial revenues are needed, as most standard lines carriers do not offer deductibles greater than $25,000. Deductibles between $25,000 and $250,000 can generate significant premium credits and we have found that insureds who share losses with their insurance carrier typically have more favorable loss and premium results leading to long term insurance stability. We have responded to this need by becoming one of the few carriers in the industry to offer deductible programs within these ranges. We offer these deductible programs on all of our products and on all of our target classes of business.