Products & Services

Products and Services


NAICO offers automobile, general liability, property, inland marine, excess and workers's compensation insurance through our valued agency force.

We also offer a wide range of coverage that can be tailored to meet the needs of virtually any business. Most classes of business are considered; however, target classes include companies in the oil and gas, manufacturing, construction, service, retail, and wholesale industries.  Some specialty products are supported and placed through NAICO's wholesale or managing general agency, Chandler Insurance Managers, Inc. (CIMI).

We continue to write standard and specialty lines within our target classes and anticipate continuous premium growth and stability.  We offer unparalleled claims management and loss control services and take great pride in our ability to differentiate ourselves from our competitors. We continuously strive to "set the standard that others strive for" in our innovative approach to tailoring insurance programs for our customers.

Our approach includes, but is not limited to, large deductibles, multi-year programs, plans of retrospective rating, aggregate and corridor deductibles as well as other risk transfer structures.  By working with our agency partners, we have developed a niche for insureds seeking deductibles of $250,000 or less, but greater than $25,000. To sustain a deductible in excess of $25,000, substantial revenues are needed, as most standard lines carriers do not offer deductibles greater than $25,000. Deductibles between $25,000 and $250,000 can generate significant premium credits. Insureds who share in losses with their insurance carrier typically have more favorable loss and premium results leading to long term insurance stability. We have done our best to respond to this need by becoming one of the few carriers in the industry who offers deductible programs within these ranges. We offer deductible programs on all of our products and target classes of business.