Business Details
50+ Years
experience
Emergency
services
Your Trusted Partner for Commercial Insurance Solutions
Gray Insurance has been a trusted leader in commercial insurance for over 70 years, specializing in Workers Compensation, Commercial Casualty, and Excess Liability solutions. Founded in 1953 by Denver F. Gray Insurance, our family-owned organization remains committed to innovative risk management and personalized service. Our team of experienced professionals delivers tailored insurance programs for energy, industrial, and construction sectors across the Gulf Coast and southeastern United States. We prioritize proactive loss control through safety consulting, telematics technology, and dedicated claims resolution specialists with an average of 20 years of experience.Our loss-sensitive programs empower clients to actively manage risk while realizing premium savings. Headquartered in Metairie, Louisiana, we operate through independent agents in 50 states and maintain A.M. Best A- IX ratings for financial strength. Our core values of integrity, responsive service, and continuous improvement guide every interaction, ensuring we exceed client expectations while fostering a culture of collaboration and community impact.
Services
Commercial Casualty
Surplus Lines
Excess Liability
Excess WC Buffer Layer
Workers Compensation
Maritime Liability
Business Auto
General Liability
Details
- Year established: 1953
Highlights and features
- 70+ years of specialized experience in high-risk commercial insurance
- Family-owned with three generations of leadership continuity
- Proactive risk management through telematics and safety consulting
- Dedicated claims specialists with industry-leading 1:2 caseload ratio
- Loss-sensitive programs enabling client-driven premium savings
Associations and certifications
- A.M. Best
Services
Commercial Casualty
Our Commercial Casualty programs provide comprehensive coverage for high-risk industries including energy, construction, and maritime operations. We offer integrated solutions combining Workers Compensation, General Liability, and Business Auto policies with flexible deductible structures. Our loss-sensitive programs allow clients to actively manage risk exposure while realizing premium savings through proactive safety measures and loss control initiatives.
Excess Liability
Excess Liability coverage extends protection beyond primary policy limits for commercial clients in high-exposure industries. Our surplus lines solutions provide additional security for catastrophic losses while maintaining compliance with regulatory requirements. Policies are tailored to specific business needs with flexible terms and conditions to accommodate complex risk profiles.
Excess WC Buffer Layer
This specialized coverage provides excess Workers Compensation protection for self-insured entities and joint powers authorities. Our buffer layer solutions help organizations manage large deductible programs while maintaining financial stability. The coverage includes facultative reinsurance options and comprehensive claims management support to mitigate catastrophic loss exposure.
Maritime Liability
Maritime Liability coverage protects commercial vessel operators and maritime contractors through specialized policies addressing unique industry risks. Our programs include Vessel Liability and Maritime Employers Liability coverage with options for wreck removal and marine liability endorsements. Policies are designed to meet the specific needs of shipyards, terminal operators, and offshore service providers.
Safety Consulting
Our proactive safety consulting services help businesses prevent workplace injuries and reduce insurance costs. We provide quarterly risk assessments, customized training programs, and telematics-based fleet monitoring to improve safety performance. Our dedicated specialists work closely with clients to implement best practices that enhance workplace safety and minimize claim frequency.
People
Darlene K. Young
Director of Human Resources
PHR and SHRM-CP certified HR leader with 15+ years of experience in human resources and organizational development. Holds a Bachelor's degree in Human Resource Management and actively contributes to local SHRM chapters.
Paul G. Trepagnier
Chief Information Security Officer
Information security executive with 20+ years of experience in software development and cybersecurity. Holds PhD in Computer Science from Tulane University and six U.S. patents in autonomous vehicle technology.
Michael T. Gray
Chairman and Vice President
Third-generation insurance leader with 30+ years of industry experience. Serves on multiple insurance association boards and advisory councils. Holds MBA from Tulane University and oversees strategic direction for the organization.
Eric S. Berger
Senior Vice President of Government Affairs
Government relations expert with 30+ years in insurance regulation and policy development. Active in national insurance associations and holds MBA from Tulane University. Represents company interests before state and federal legislative bodies.
Dean M. Hardey
Executive Vice President
Insurance executive with 15+ years of underwriting and business development experience. Holds dual Bachelor's and MBA degrees from Louisiana State University. Leads underwriting operations and process improvement initiatives.
Questions
What industries do you specialize in?
We specialize in energy sector services, heavy civil construction, maritime operations, and industrial contractors across the Gulf Coast and southeastern United States.
How do your loss-sensitive programs work?
Our programs allow clients to actively manage risk through deductible structures that create opportunities for premium savings based on loss experience.
Do you offer safety consulting services?
Yes, we provide quarterly safety assessments, risk management training, and telematics-based fleet monitoring at no additional cost to policyholders.
How quickly are claims handled?
Our dedicated claims specialists maintain half the industry-standard caseload to ensure prompt resolution, with 24/7 availability for emergency situations.
Can you provide multi-state coverage?
Yes, we operate in all 50 states through licensed retail agents, offering coordinated coverage and claims management across multiple jurisdictions.
