Core Products

Workers’ Compensation

Workers' Compensation coverage is our lead line of business. It is the only line we will write on a stand alone basis. From a pricing standpoint, competitive programs utilizing guaranteed cost, retrospective rating and large deductible designs are offered. Statutory limits are available for this line of business.

Commercial General Liability

We write General Liability insurance in conjunction with a profitable Workers’ Compensation program. Optional programs designs 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 Auto insurance is written only in conjunction with profitable workers’ compensation and/or general liability coverage. All lines of insurance, including Commercial Auto, must be profitable on its own merit. We are able to price auto programs with higher deductibles when required to balance out the combined insurance program. We have the capacity to write limits up to $2MM CSL for this line of business.

Program Designs

ORCPG offers:

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