Self-Insured Stop-Loss Coverage
Protect your self-insured program.
Cap catastrophic losses.
Excess Workers' Compensation provides specific and aggregate stop-loss above a self-insured retention (SIR). This is not a layer on top of a standard workers' comp policy.
Eligibility & Program Note
Excess WC is intended for qualified self-insured or large-deductible programs and is structured as stop-loss above an SIR. It is not available as an add-on layer above a guaranteed-cost workers’ compensation policy.
Why excess workers’ comp matters
Self-insuring improves control and long-term cost efficiency, but exposes you to tail risk. Specific and aggregate excess coverage cap your downside—preserving balance sheet strength while you retain predictable risk.
What’s covered
Stop-loss protection for statutory workers’ comp benefits above your chosen retentions.
Specific excess protection (per-claim stop-loss)
Limits your exposure to any single catastrophic workers’ comp claim by attaching above a self-insured retention (SIR).
Aggregate excess protection (frequency stop-loss)
Caps your total annual workers’ comp losses by paying when all claims in the policy year exceed an agreed aggregate retention.
Budget stability for self-insureds
Stabilizes cash flow and protects capital by transferring tail-risk above your chosen SIR and aggregate thresholds.
Self-insured program support
Integrates with your TPA/claims administrator and actuarial projections; aligned to regulatory requirements for qualified self-insureds.
What you’ll need for a proposal
Provide program, exposure, and loss information for an accurate stop-loss structure.
Program & Eligibility
- •Self-insured or large-deductible program details
- •Desired SIR (per-occurrence) and aggregate retention
- •States of operation and statutory requirements
- •Current TPA/claims administrator and processes
Exposure & Operations
- •Annual payroll by class code and by state
- •Employee counts by classification
- •Number of locations and multi-state exposures
- •Safety programs and loss control measures
Loss History
- •5–10 years of loss runs (valued within 90 days), paid and outstanding
- •Large loss details and any subrogation recoveries
- •Actuarial reports (if available)
Coverage Structure
- •Specific excess limit preferences
- •Aggregate excess limit preferences
- •Collateral/financial capacity and target effective date
Ready to evaluate a self-insured stop-loss program?
Talk with an alternative risk professional about specific and aggregate excess options.
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Coverage, limits, discounts, and eligibility vary by carrier and state. Examples are educational and not a guarantee of coverage. Review your issued policy for terms, conditions, and exclusions.
Frequently asked questions
Common questions about excess workers’ compensation
Still have questions?
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