Great West Casualty Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Great West Casualty Company is a trucking-specialist carrier; all workers compensation and related products are designed specifically for motor carriers, owner-operators, and independent contractor truck drivers. Preferred business / target risks: - Trucking and motor carrier operations needing workers compensation or contingent protection for drivers and owner-operators. - Motor carriers using independent contractors where Occupational Accident (OCC/ACC) is appropriate for drivers who qualify as independent contractors rather than statutory employees. OCC/ACC is intended to cover injuries while performing duties under lease dispatch by a motor carrier, including accidental death/dismemberment/paralysis, accident disability, and accident medical expenses.([gwccnet.com](https://gwccnet.com/products-services/workers-compensation/coverage-options)) - Motor carriers seeking Contingent Casualty coverage to protect against a driver/contractor being deemed a statutory employee by a workers compensation board, government agency, or court. - Trucking accounts where Great West already writes or will write the truck/auto coverages and wants aligned workers compensation solutions; includes multi-unit fleets and single-unit owner-operators. Key eligibility / underwriting notes: - Occupational Accident (independent contractor) coverage: drivers must meet specific underwriting criteria including: minimum age 23, valid CDL, no felony convictions, and no DUI conviction within the last six years, plus additional undisclosed criteria.([gwccnet.com](https://gwccnet.com/products-services/workers-compensation/coverage-options)) - Single-Unit Owner-Operator WC policies require the owner-operator to be leased to a motor carrier for which Great West writes both the workers compensation and the truck insurance. These policies are non-portable; if the lease terminates, the policy will be cancelled.([gwccnet.com](https://gwccnet.com/products-services/workers-compensation/coverage-options)) - Monoline workers compensation is available on a selective basis: may be used where Great West is unable to write the commercial auto or when WC is written prior to the commercial auto. All such policies follow standard Great West WC underwriting guidelines. Agents are instructed to discuss monoline opportunities directly with the carrier/underwriter.([gwccnet.com](https://gwccnet.com/products-services/workers-compensation/coverage-options)) Restricted / declined (implied): - Non-trucking classes and general WC outside the motor carrier/transportation context are not referenced and should be treated as outside appetite unless a program or underwriter specifically agrees. - OCC/ACC is limited to independent contractors meeting the trucking-specific eligibility criteria; applicants not meeting age, CDL, criminal, or DUI requirements should be expected to be declined for this product.([gwccnet.com](https://gwccnet.com/products-services/workers-compensation/coverage-options)) - Single-Unit Owner-Operator WC is not available if Great West does not write both the underlying truck insurance and the WC for the motor carrier; policies cannot follow the driver to other carriers due to non-portable design. Geographic notes: - Workers compensation offerings are subject to state availability. Great West explicitly directs producers and insureds to "check with your agent for availability in your state" for Single-Unit Owner-Operator policies and advises that monoline WC options be discussed with the agent/carrier.([gwccnet.com](https://gwccnet.com/products-services/workers-compensation/coverage-options)) Submission / broker handling notes: - Website language is marketing-level; no open broker manual is published on the public site. Great West instructs prospects and agents to request quotes and discuss monoline or specialized options with an agent or underwriter, indicating that detailed class eligibility, pricing, and state-specific rules are handled directly rather than via a public appetite guide.([gwccnet.com](https://gwccnet.com/)) - For OCC/ACC, producers should prescreen driver eligibility (age, CDL, criminal/DUI history and other criteria) and be prepared to document contractor status and lease relationship to the motor carrier. - For contingent casualty and surplus lines placements (via Old Republic Union), producers should anticipate surplus lines filing requirements and confirmation that exposure involves potential statutory employee determinations. Operationally, treat Great West as a trucking-only WC and OCC/ACC market with: (1) strong appetite for motor carrier drivers and owner-operators, (2) strict eligibility criteria for independent contractors, (3) linkage expectations between auto/truck and WC coverages, and (4) state availability and detailed class rules controlled directly by underwriters rather than a public appetite PDF.