Excess Worker's Comp
Coverage
Most self-insurers are not
able to be self-insured
without an excess workers
compensation insurance
policy. Self-insurance gives
a company more control
over the claims handling,
more control over the cost of
the insurance program, and
improves cash flow by
lowering the cost of worker
comp insurance.
Excess worker's comp
insurance is available for
risks that choose to self
insure the majority of
workers compensation loss
exposures.

Two categories of coverages
are typically available:

Specific: controls loss
severity by placing a cap on
losses the insured must pay
arising out of a single
occurrence

Aggregate: addresses loss
frequency by providing
coverage once a cumulative
per occurrence loss limit is
breached.
Excess Liability
Insurance Specialists!
CONSULTING
NEW WORLD
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203-967-4448
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