Case Studies

Wood Products Manufacturer | Case Studies | Old Republic Risk Management

contactus@orrm.com (Old Republic Risk Management) — Fri, 14 Aug 2026 13:24:09 GMT

Self-Handling General Liability Claims

Old Republic Risk Management was contacted by a major wood products manufacturer that, due to the unique nature of its claims, wanted to self-handle its general liability claims under a large deductible program without using a third-party administrator (TPA). Their incumbent carrier was uncomfortable allowing self-handling, so the manufacturer wanted to explore their options.

Old Republic personnel met with the manufacturer to learn about the manufacturer's claims staff’s experience handling general liability claims. They clearly demonstrated their ability to handle and monitor claims under the proposed Old Republic general liability policies and understood the importance of reporting claims to their carrier. They chose Old Republic as their new insurance carrier not just for general liability, but also for automobile liability and workers’ compensation, due to our ease of doing business and flexibility in handling general liability claims in-house.

We were able to customize a solution that offered unparalleled flexibility by supporting the manufacturer’s ability to control in-house claims handling, ultimately streamlining their claims management program.

Large Regional Service Company | Case Studies | Old Republic Risk Management

contactus@orrm.com (Old Republic Risk Management) — Fri, 14 Aug 2026 13:24:07 GMT

Taking Care of Business

A large Midwest-based service company has been a customer since 2013. During that time, Old Republic Risk Management had developed a solid business relationship with them and their broker. For the April 1, 2020, renewal term, our relationship was tested when the insured sought to market the entire casualty program due to a hardening market in the excess layers. During a pre-renewal meeting with the customer, they acknowledged they 'loved Old Republic' because of the exceptional service they received, particularly regarding claims and policy issuance/filing.

Despite our competitors' aggressive marketing efforts, the week of March 16, the client informed us of their decision to stay with Old Republic due to the strength of the relationship and the high level of service they received from us throughout the partnership. As negotiations were being finalized and the COVID-19 health crisis was rapidly spreading in the United States, we made the unprecedented decision to implement remote work for all employees to ensure their safety and help combat the spread of the novel coronavirus. Nonetheless, this particular customer is classified as an 'essential service' and needed advanced endorsements and filings completed before the April 1 effective date to gain access to jobsites.

Our Policy Production team rose to the challenge. Over the course of two days, they processed and fulfilled close to 300 endorsement/filings request—all while working remotely. The team even prepared a wet ink signature NY certificate and delivered it to the post office within 24 hours. Needless to say, the broker and insured were impressed that not only was there no service interruption, but that despite the nationwide public health crisis, it was 'business as usual' at Old Republic.

Old Republic has a reputation for providing best-in-class customer service, a global pandemic is no exception. In this challenging environment, our service teams stepped up in the face of adversity to ensure the needs of our customers and communities were met.

Commercial Manufacturer | Case Studies | Old Republic Risk Management

contactus@orrm.com (Old Republic Risk Management) — Fri, 14 Aug 2026 13:24:05 GMT

Going 'Unbundled'

Old Republic Risk Management was contacted by a broker for a large commercial manufacturer with a traditional bundled insurance program, in which the insurance carrier handled all claims and risk control services. The insured was dissatisfied with the level of service they were receiving from the incumbent’s claims operation and sought alternatives in the unbundled marketplace.

The insured interviewed several third-party administrators (TPAs) and decided early in the process that they wanted an unbundled insurance carrier, with the freedom to choose a TPA that best fit their business and operating philosophies. Old Republic was chosen as the carrier due to our extensive experience with a variety of TPAs and our straightforward, responsive approach to underwriting and quoting.

Old Republic was able to put forth solutions to the insured and broker that helped facilitate the move to an unbundled insurance program. By leveraging their extensive experience in customizing unbundled programs, we were able to tailor a solution that streamlined the insured’s risk management program.

Healthcare Industry | Case Studies | Old Republic Risk Management

contactus@orrm.com (Old Republic Risk Management) — Fri, 14 Aug 2026 13:24:04 GMT

Old Republic Risk Management was approached by a broker for a leading health care service company regarding their dissatisfaction with the existing carrier. The company desired large deductible general liability and auto liability policies with some unique coverage forms. As discussions unfolded, the insured also desired some professional liability coverage. The existing carrier was unwilling to amend its standard coverage forms to the insured’s satisfaction.

We met with the company and broker to fully discuss the underlying coverage issues. Senior Old Republic underwriting personnel drafted coverage forms to address the company’s coverage issues and presented attractive proposal terms for premium and collateral, allowing the company to move its liability policies to Old Republic. After the insured bound the coverages, additional liability policies were issued to address contractual issues for one of the company’s subsidiaries.

In the end, we helped both the company and the broker resolve their insurance coverage issues. This serves as a prime example of how Old Republic listens to the insured’s concerns and delivers a customized solution to fit your company's needs.

Large Communications Provider | Case Studies | Old Republic Risk Management

contactus@orrm.com (Old Republic Risk Management) — Fri, 14 Aug 2026 13:24:02 GMT

A large communications provider was having ongoing concerns with its casualty insurance carrier regarding the calculation of program collateral requirements. The insured was aggravated with the delay in providing calculations and the lack of detail offered by the carrier. Additionally, while the insured’s independent actuarial study was provided to the carrier, it was never taken into account. The resulting inaction left the Risk Manager and Treasurer with limited ability to plan and they felt handcuffed to the carrier.

Old Republic Risk Management met with the broker and Senior Management of the insured and agreed to consider the independent actuarial report in determining the collateral requirements. The use of the independent actuarial report supplied the desired transparency for the insured and a better understanding of the total collateral needed to support the program. In addition, we provided a transitional collateral requirement over a three-year period. This allowed the insured to negotiate collateral decreases with its prior carrier as the collateral needs ramped up for the new program.

This transitional collateral requirement and the use of an independent actuarial study provided the insured with the ability to plan and fully understand their obligations to post collateral to the casualty insurer. Old Republic's flexibility to its insured’s needs facilitated a solution that was amenable to both parties.

Food Products Company | Case Studies | Old Republic Risk Management

contactus@orrm.com (Old Republic Risk Management) — Fri, 14 Aug 2026 13:24:00 GMT

Captive Fronting Products

A large food products company was looking to retain risk within its wholly owned captive. Traditionally, the company had retained only small layers of risk and certain coverages within its captive, but was looking to expand the captive’s involvement into other casualty lines and to additional limits.

After extensive analysis on all sides, the company decided to partner with Old Republic Risk Management, which allowed it to reinsure the policy through its captive and fund losses with premiums ceded to the captive.

We were able to assist in facilitating the growth of the company’s captive by tailoring a scalable solution that met their needs.

Large Transportation Risk | Case Studies | Old Republic Risk Management

contactus@orrm.com (Old Republic Risk Management) — Fri, 14 Aug 2026 13:23:59 GMT

Auto Limits/Retentions

Old Republic Risk Management was contacted by the broker for a large transportation risk-insured seeking to restructure their primary auto liability limits and retentions in the most cost-effective way, given their growth in units and loss projections. The cost of their current program was growing significantly due to market conditions and their successful business growth.

Old Republic personnel met with the insured to explore their comfort level for retaining risk and to set goals for their auto liability renewal. As a result, we were able to offer a variety of options for the insured’s consideration, including larger primary limits due to pressure from their umbrella liability carrier and optional retentions.

Our solutions helped the insured develop the most cost-effective retention and limit options that would work for their company in the future and provide them with flexibility in their umbrella liability program.

Commercial Material Industry | Case Studies | Old Republic Risk Management

contactus@orrm.com (Old Republic Risk Management) — Fri, 14 Aug 2026 13:23:57 GMT

'Transparent' Collateral

A large commercial material company with a large deductible program decided to market its primary workers’ compensation, general liability, and automobile liability policies. This company was very dissatisfied with its incumbent carrier’s collateral position and with the carrier’s refusal to satisfactorily explain its collateral calculation to the insured.

Given the significance of the issue, senior Old Republic Risk Management personnel met with the company’s executives to develop a collateral solution that fully disclosed how the collateral would be determined and how often it would be provided. After reviewing the actuarial work product, we agreed to use the company’s own third-party actuarial firm to help determine the collateral need as well. While Old Republic was competitively priced premium-wise, we offered a collateral solution that provided predictability for future renewals and was subsequently awarded the company’s business.

Old Republic put forth solutions to the company and its Broker that helped solve their collateral concerns. Our easy access to decision-makers and transparent communication approach afforded the company long-term security.

Manufacturer Outgrows Insurance Program | Case Studies | Old Republic Risk Management

contactus@orrm.com (Old Republic Risk Management) — Fri, 14 Aug 2026 13:23:56 GMT

A large, privately held manufacturer has grown into one of the largest producers of its product in the country, becoming a major supplier to big box retailers over the past 60 years.

The insured had been with their current carrier for 10+ years. This relationship began during a growth period for the insured, during which they were also experiencing volatility in their claims experience, requiring them to move to a loss-sensitive program. As customary, when an insured moves from a guaranteed cost program to a loss-sensitive program, the insured is advised to purchase the lowest retentions they can afford when the program is bound.

Since then, the program, structure, and carrier have run on autopilot, renewing year over year without much change. Renewal discussions are typically centered around current market conditions and rates. During that period, the insured’s business continued to expand and adopt stronger safety policies and procedures.

After reviewing their account, it became clear we could improve the efficiency of their insurance program. Our goal was to provide them with a stable, long-term program that lowered their fixed costs and significantly improved their total cost of risk.

We particularly focused on the workers’ compensation policy, where we could see that the bulk of their premium was driven by the $500k loss layer. Since the broker had limited experience with the program we were offering, extra time was spent with both the broker and the customer, explaining the nuances and answering their questions.

The insured and broker worked with us to identify a program structure that would be appropriate for their financial strength and loss experience. We were able to provide options with fixed cost reductions of 43%, provide cost certainty with a sustainable, stable rate environment, lower their total cost of risk, and provide a creative solution for collateral, all while they wind down collateral with their existing carrier.

Energy Industry | Case Studies | Old Republic Risk Management

contactus@orrm.com (Old Republic Risk Management) — Fri, 14 Aug 2026 13:23:54 GMT

Identifying the Right Workers' Compensation Program Design

An energy company with a large deductible program decided to market its primary workers’ compensation policy. The company was frustrated with the renewal process with its incumbent carrier and the lack of transparency regarding the premium components.

Old Republic Risk Management met with the company and broker to discuss the goals and objectives in considering alternative insurers. Because of the company’s strong balance sheet and confidence in its ability to control direct loss costs, it concluded that a higher workers’ compensation deductible would better align with its overall corporate strategy.

Subsequently, we offered a $2M workers’ compensation deductible program, providing the company with substantial cost savings and predictable pricing year over year.

We also detailed the various premium components, allowing the insured to fully understand the overall premiums with transparency. We put forth solutions that enhanced alignment between the company’s insurance program and its overall corporate strategy. By listening to the company’s coverage concerns, Old Republic was able to make the ongoing renewal process predictable and pain-free.