Excess Workers Compensation Coverage — U.S. Risk Insurance Group, Inc.
U.S. Risk Insurance Group, Inc. offers an Excess Workers Compensation Property & Casualty package designed for agents who need flexible, surplus-market capacity for higher-limits and difficult-to-place accounts. As an Excess & Surplus Lines broker with access to varied A.M. Best "A" rated carriers, U.S. Risk places excess layers with broad features, useful endorsements, and both occurrence and claims-made structures where available.
Ideal Accounts and Appetite
This program is tailored for mid- to large-size employers and public entities with higher loss exposures or primary layer self-insured retention (SIR) arrangements. Typical fits include businesses with:
- Significant payrolls and multi-state operations
- Established loss control programs and experienced risk management
- Primary SIR or large deductible structures seeking an all-lines basket aggregate
- Accounts needing combined property and casualty excess protection
Accounts generally outside appetite: early-stage companies without loss history, high-frequency small-loss classes without mitigation, or risks requiring admitted-only placement in restricted states.
Coverage Highlights and Advantages
- All-lines basket aggregate available for SIR programs — simplifies aggregate handling across exposures.
- Clash coverage for SIR — addresses scenarios where two policies might interact.
- Sexual abuse and harassment coverage — available as part of the excess program.
- Employee Benefits Liability included in policy limits (POL).
- Occurrence and claims-made forms offered to suit varied primary structures.
- Broad incidental professional/medical malpractice exposures can be offered where appropriate.
- No coinsurance clause — reduces unexpected coverage gaps at time of loss.
- Unintentional Errors & Omissions clause for property exposures.
- Placement through A.M. Best "A" rated carriers — capacity and claim-paying strength matter at excess layers.
Underwriting Notes and Minimum Premium
Underwriting focuses on complete submission packages showing payroll by class, current primary and umbrella coverage details, loss runs (preferably 5 years), and risk management documentation for higher-limit placements. The program supports both SIR and policy-deductible structures; specific attachments and endorsements will be reviewed on a case-by-case basis.
Minimum premium: $50,000. Because this is excess/surplus market capacity, submissions should reflect the complex nature of the placement and demonstrate that the account meets a higher-minimum premium threshold.
Territories and Admitted/Non-Admitted Positioning
This Excess Workers Compensation program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. U.S. Risk accesses most available markets to place admitted or non-admitted capacity where appropriate; expect surplus lines placement for many higher-limit or non-standard risks.
Why Work With U.S. Risk on Excess Workers Compensation
U.S. Risk pairs surplus-lines underwriting flexibility with experience placing large SIRs and complex casualty programs. Agents get access to tailored wording (clash, sexual abuse/harassment, employee benefits liability in POL), a willingness to consider broad incidental exposures, and established carrier relationships including A.M. Best "A" rated markets.
Example Scenarios
- You have a regional manufacturer with a $1M primary SIR and multi-state payroll — this program can provide an all-lines basket aggregate excess layer and clash coverage to protect limits above the SIR.
- A healthcare services firm with mix of professional and general liability exposures needs broad incidental medical malpractice coverage in excess — the program can consider inclusion of that exposure on a case-by-case basis.