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Main Office
​725 S. Figueroa St. Suit​e 3400
​Los Angeles, CA 90017
213-430-4300

​​​​​​Products​​​

​P​rimary Casualty

​Underwriting expertise and long term relationships backed by the strength of Great American.

Great American Custom emphasizes service by building long-term relationships with client producers.  We specialize in providing primary casualty products that meet the needs of the commercial market. Our experienced casualty underwriting staff has a comprehensive knowledge of liability hazards, inherent exposures, and rating along with a familiarity of forms and coverage requirements.  

Our focus is customer satisfaction.  We listen and work with you to fill your specific primary casualty needs. We will entertain a broad range of risks of a low claims frequency nature. Higher frequency business can be entertained with a formalized Self-Insured Retention program contracted with a qualified Third Party Claims Administrator.

​​Target Classes​

​We target the niche specialty market with the following characteristics:
-Low-claim frequency
-Small-to-medium siz​ed companies with revenues of $1M to $30M
Some classes we frequently write:
​Commercial contractors, including:
General Contractors
Electrical Contractors
Plumbers
HVAC
Drywall
Painting
Tile, Stone, Marble
Masonry
Water and Sewer
Carpentry
Concrete
​​

 ​Floor Covering
Glaziers
Landscaping (excluding tree trimming)
Metal Erection and Fabrication
Grading
Pre-Fabricated Building Erection
Sheet Metal Work
Cable Installation
New Business Ventures
Project Specific – OCP, Railroad Protective
We consider condos, townhomes, residential tracts, single-family homes, and apartments all residential work and are not targeting contractors focusing on this type of work.  
We will consider artisan contractors who have a small percentage of residential repair or remodel work, though we prefer residential work to be less than 30% of operations.

Owners, landlords and tenant risks, including:
Apartments
Property Schedules including Single Family homes, duplexes and triplexes
Condo Associations
Office, Warehouse
Vacant Land
Strip Malls
​We are targeting low-frequency accounts on the primary side, but have been successful writing potential higher frequency accounts at higher attachments such as lead umbrella or excess layers.

​Ineligible Classes

Contractors:
​Streets and Roads (rural ok)
Street Lights and Signals
Airport Runways​
Fire Suppression
Roofers
Power Lines and Poles

Bridge Contractors
Scaffolding
Waterpoofers
Pile Driving
Retaining Walls
Railroad Construction


Owners, Landlords and Tenants:​

​​​Section 8 / Low Income Housing
Senior Living / Assi​sted Living
Student Housing
Daycare Centers
Shopping Centers​​
Casinos
Fast Food Chains/Restaurant/Bar
Bowling Alleys
Grocery Stores
Campgrounds
Mobile Home Parks​

We can consider property schedules with a small % of low income, senior living or student housing, but prefer that those properties be less than 20% of the property schedule.

Capabilities

We underwrite risks on behalf of two of American Financial Group's "A+" insurers:
  • ​Great American Assurance Company (admitted) - for all busine​​ss inside of California
  • Great American E&S Insurance Company (non-admitted) - all business outside of California​​​
​Both are rated A+ XIV by A.M. Best and A+ by Standard and Poor's

We write on admitted paper in the following venues:
  • ​For Commercial Contractors in CA, ​​AZ and NV
We write on non-admitted paper for:
  • ​​C​ommercial Contractors NOT located in CA, AZ or NV
  • All OL&T business
Coverage Offerings
- Commercial General Liability - ISO Form CG 00 01 12 07
- Railroad Protective Liability - ISO Form CG 00 35 12 07
- Owners and Contractors Protective Liability - ISO Form CG 00 09 12 07

Primary in-house capacity of $2M each occurrence and $4M aggregate:
  • ​Stand​ard limits for CGL and OCP are $1M/$2M
  • ​Standard limits for RPL are $2M/$6M​​
In special cases we can offer primary limits of $5M each occurrence and $10M aggregate but need to make special arrangements with our treaty reinsurers.

Minimum premium of $15,000 to $25,000
Deductibles range from $1K to $25K, though standard is $5K

Umbrella and lead excess coverage of up to $10M can also be written above our own primary policies.

Submission Requirements
​Basic Submission Package
​​​Description of Operations / Risk Summary
Acord Application
Five Years Currently Valued Loss Runs
Exposures
Prior Year Premium and Rate
Target premium
Financials ​are a Plus
​​​If ​a Commercial Contractor
​​​Contractor's Supplemental
Contactor's License #
Current Work on Hand and Largest Past Jobs
Subcontractor's Agreement
​If OL&T​
​​​Insured Description – owner and/or property manager (who’s coverage is primary)
COPE Schedule - with:
​​
  • Year Built, Year of Last Updates (roof, elec, plum, hvac)
  • Stories
  • Fire Protection
  • Pool Info (gated, diving boards, depths marked)
  • Armed Se​curity
  • Assisted Living/Student Housing/Low Income
  • Balconies​​​​​​
​​​​Copy of Standard Rental Agreement
Copy of Property Management Agreement, if Contracted Out​

Over 90% of the policies are written on Admitted paper - 
Great American Insurance Company, Great American Assurance Company, Great American Alliance Insurance Company, ​​Great American Insurance Company of New York, Great American Security Insurance Company, and Great American Spirit Insurance Company.

Claims Services

Specialized - Great American Custom Primary Casualty claims team provide dedicated claim professionals in the areas of general liability specializing in commercial contractors including construction defect and construction injury claims as well as Owners, Landlord and Tenant including premises and business auto. Our adjusters take a proactive approach to facilitate the prompt investigation of claims for a cost effective resolution.

Loss Reporting Email claims@gamcustom.com​
Contact (800) 687-4453​ or eFax (855) 763-4172​​

​​Underwriter Directory​​​

Listing of underwriters that do primary business​ ​

Great American Custom

Other Office Locations

  • Atlanta
  • Boston
  • Cincinnati
  • Red Bank
  • Parsippany
  • Philadelphia

Great American Custom is a full-service underwriting division of Great American Insurance Group focused on long-term client relationships and customized business solutions. We specialize in providing primary casualty products as well as umbrella and capacity excess products that meet the needs of the commercial market. Our policyholders range from small businesses to complex multi-national corpora​tions and Fortune 1000 companies.​

There are over 3,000 property and casualty insurance companies in the United States. Only 50 are included on the Ward’s 50 List for safety, consistency, and performance. Only 5 have been rated “A” or better by A.M. Best for over 100 years. Only 2 are on both lists. Great American Insurance Company is 1 of the 2.

Great American Custom

​725 S. Figueroa St. Suit​e 3400
​Los Angeles, CA 90017
213-430-4300
© 2019 Great American Insurance Company. All rights Reserved.​