Business Details
50+ Years
experience
Emergency
services
Commercial Insurance Solutions for Energy & Construction Industries
The Gray Insurance Group Insurance Group has been a trusted leader in commercial insurance solutions for over 70 years. Founded in 1953, we specialize in Workers Compensation, Commercial Casualty, and Excess Liability coverage tailored to energy, industrial, and construction sectors. Our loss-sensitive programs empower clients to mitigate risks while realizing premium savings through collaborative partnerships.With A.M. Best A- IX ratings, we combine industry expertise with personalized service, including proactive safety management and dedicated claims resolution teams. Headquartered in Metairie, Louisiana, we operate across 50 states through independent agents, driven by core values of integrity, innovation, and community impact.
Services
Workers Compensation
Commercial General Liability
Maritime Liability
Business Auto
Excess WC Buffer Layer
Surplus Lines Excess Liability
Risk Management
Claims Resolution
Safety Consultation
Telematics Monitoring
Details
- Year established: 1953
Highlights and features
- We offer over 70 years of specialized experience in commercial insurance for high-risk industries
- Our loss-sensitive programs provide potential premium savings through risk mitigation partnerships
- We maintain A.M. Best A- IX ratings for financial strength and claims-paying ability
- Our dedicated safety specialists provide quarterly risk assessments at no additional cost
- We operate 24/7 claims hotline with resolution specialists averaging 20 years of experience
Associations and certifications
- A.M. Best
Services
Workers Compensation
Our Workers Compensation program provides comprehensive coverage across jurisdictions for energy sector contractors, construction firms, and industrial operations. We offer State Act policies, USL&H coverage, and maritime employers liability protection. Our loss-sensitive programs include deductible options from $10,000-$250,000 with potential premium savings through loss fund management. Clients benefit from proactive safety consultations and telematics integration for risk reduction.
Commercial General Liability
We provide Commercial General Liability coverage protecting against third-party bodily injury and property damage claims. Our policies include standard ISO forms with optional endorsements like vessel liability and removal of wreck coverage. Designed for construction and industrial clients, our program offers protection against operational liabilities while supporting risk mitigation through safety management partnerships and loss control initiatives.
Maritime Liability
Our maritime liability solutions cover vessel operations and maritime employers liability under the Jones Act. The program includes protection for captain and crew liabilities, with optional coverage extensions for wreck removal and marine liabilities. Tailored for shipyards, terminal operators, and marine contractors, our policies integrate with general liability coverage while maintaining distinct protections separate from traditional P&I policies.
Business Auto
We offer comprehensive business auto coverage for owned, non-owned, and hired vehicles with Symbol 1 liability and Symbol 7/8 physical damage protection. Our program includes automatic coverage for newly acquired vehicles and optional uninsured motorist coverage. Designed for construction and transportation fleets, we provide telematics integration and safety monitoring to reduce accident risks and claims frequency through proactive driver behavior management.
Excess WC Buffer Layer
Our Excess Workers Compensation program provides buffer layer coverage above primary policies for self-insured entities. We offer facultative reinsurance solutions tailored to qualified self-insurers, joint powers authorities, and industry associations. This coverage works in conjunction with primary policies to manage large loss exposures while maintaining cost control through structured risk retention strategies and claims management partnerships.
People
Darlene K. Young
Director of Human Resources
PHR and SHRM-CP certified HR leader with extensive experience across multiple industries. Specializes in organizational development, employee relations, and professional growth programs. Holds Bachelor's Degree in Human Resource Management from Southeastern Louisiana University.
Paul G. Trepagnier
Chief Information Security Officer
Technology leader with 20+ years of experience in software development and cybersecurity. Holds PhD in Computer Science from Tulane University with expertise in autonomous vehicle systems. Leads IT security strategy and digital innovation initiatives for The Gray Insurance Group Insurance Group Insurance Group.
Eric S. Berger
Senior Vice President of Government Affairs
Insurance industry veteran with 30+ years of experience in regulatory compliance and public policy. Serves on national insurance association committees and Louisiana Citizens Property Insurance Company board. Specializes in legislative advocacy and regulatory strategy.
Michael T. Gray
Chairman and Vice President
Third-generation insurance executive with 30+ years of leadership experience. Former CEO of The The Gray Insurance Group Insurance Group Insurance Company, instrumental in expanding into title insurance, oil production, and technology development sectors. Active in multiple industry associations and advisory councils.
Dean M. Hardey
Executive Vice President
Insurance executive with 17+ years of experience in underwriting and business development. Holds MBA from Louisiana State University. Led company-wide process improvement initiatives and served on risk management committees. Specializes in strategic growth and operational efficiency.
Questions
What industries does The Gray Insurance Group Insurance Group Insurance specialize in?
We specialize in energy sector services, heavy and civil construction, specialty trade contractors, maritime operations, and medium to large casualty risks across the Gulf Coast and southeastern United States.
How does The Gray Insurance Group Insurance Group's loss-sensitive insurance program work?
Our program allows clients to manage deductible funds while realizing premium savings. Insureds contribute to a loss fund that pays claims within elected deductibles, with unused funds returned as savings through active risk management participation.
What safety services do you provide?
We offer quarterly safety assessments, risk management consultations, and telematics integration at no additional cost. Our specialists work proactively with clients to identify hazards and implement loss control measures.
How are claims handled?
We provide 24/7 claims resolution with dedicated specialists averaging 20 years of experience. Our process emphasizes rapid response, litigation cost management, and regular claims reviews to ensure fair, timely resolutions.
Do you operate nationwide?
Yes, we are admitted in all 50 states and work through independent agents to provide multi-state coverage, claims management, and risk control services tailored to specific regional needs.
What makes The Gray Insurance Group Insurance Group different from other insurers?
We combine 70+ years of industry expertise with family-owned values, offering personalized service through three-year policy terms that enable deeper client relationships and long-term risk management strategies.
