Great West Casualty Company
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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’s published Workers Compensation guidance is trucking-focused only. The carrier states its single focus is the commercial trucking industry and positions Workers Compensation for motor carriers, truck drivers, owner-operators, and related trucking operations. Preferred business appears to be motor carriers needing trucking-specific workers compensation solutions, including small to mid-sized accounts on guaranteed cost and larger, financially stable trucking companies for alternative risk or deductible structures. Great West also highlights availability of excess workers compensation for trucking companies that already have state-granted self-insured status. Geographic notes: published workers compensation territory includes all states except the monopolistic states of North Dakota, Ohio, Washington, and Wyoming; single-unit owner-operator policy availability varies by state. Restricted/declined signals from the public materials are operational rather than class-code based: coverage is oriented to trucking risks, not general industry workers comp; Occupational Accident is for independent contractors rather than employees; OCC/ACC eligibility requires drivers to meet specific criteria including age 23+, CDL, no felony convictions, and no DUI conviction in the last six years; Single-Unit Owner-Operator policies require the owner-operator to be leased to a motor carrier for which Great West writes both workers compensation and truck insurance, and the policy is not portable if the lease ends. Monoline workers compensation is available, but only under Great West’s normal workers compensation underwriting guidelines and is framed for situations where Great West cannot yet write the commercial auto or writes workers comp first. Submission and producer notes: Great West repeatedly directs prospects to work through an agent, discuss monoline opportunities with the agent, and check state availability with the agent. Public-facing materials do not provide a detailed broker appetite grid or class-by-class decline list, but they do provide practical placement cues: use Great West when the insured is a trucking operation seeking trucking-specialized workers compensation, possibly bundled with truck coverage, and where alternative risk financing, deductible plans, or owner-operator related solutions are needed. Additional operational notes: Great West publishes reporting and payment options for workers comp and truck policies, and states workers compensation deductible options start at $75,000 for large deductible structures.