Excess Workers Compensation Insurance

Ideal Accounts and Appetite

This program is tailored for individual employers and groups that are self-insured for Workers Compensation and need financial protection above their self-insured retention levels. Target accounts include municipalities, healthcare facilities, manufacturing operations, transportation companies, and other entities with strong safety practices and risk management controls. If you have a client with a self-insured retention and a need for catastrophic loss protection, this program could be a great fit.

Coverage Highlights and Advantages

• Varying limits available, including up to statutory limits
• Minimum attachment point of $300,000 per accident
• Coverage offered in excess of a qualified self-insured retention
• Aggregate protection available
• Optional Cash-Flow Endorsement for improved capital management

Key Competitive Advantages

• Access to a variety of A-rated carriers
• Creative underwriting solutions for complex and hard-to-place risks
• Flexible coverage options tailored to each client’s risk profile
• Attractive commission structures for retail partners

Underwriting Notes

The program requires a minimum attachment point of $300,000 per accident. Coverage is provided only in excess of a qualified self-insured retention. We work closely with agents to ensure proper structuring of the excess layer, providing both per-claim and aggregate protection where appropriate.

Territories and Availability

This program is available in all 50 states and the District of Columbia. We offer access to both admitted and non-admitted markets depending on your client’s location and risk profile.

Why Work With Caitlin Morgan

As a wholesale broker with deep experience in the self-insured Workers Compensation space, Caitlin Morgan is your go-to partner for placing excess coverage. Our dedicated team understands the nuances of self-insured programs and works with a wide range of reputable carriers to offer competitive and flexible solutions. Whether you're working with a large municipality or a niche industry group, we bring the underwriting insight and market access you need to deliver value to your clients.

Contact:
Chris Murray
P: 800-723-7475, Ext. 233
[email protected]