Excess Workers Compensation Insurance

Ideal Accounts and Appetite

This program is designed for employers and group self-insured entities that maintain a qualified self-insured retention and require protection above that attachment. Target accounts include municipalities, healthcare systems, manufacturing operations, transportation and logistics companies, and other organizations with strong safety programs and active risk management. If your client has a self-insured retention and needs catastrophic loss protection, this excess program is a practical option.

Coverage Highlights and Advantages

• Multiple limit options available, including limits up to statutory requirements
• Minimum attachment point of $300,000 per accident
• Written in excess of a qualified self-insured retention
• Aggregate protection available where appropriate
• Optional Cash-Flow Endorsement to assist with capital and premium timing

Key Competitive Advantages

• Access to a panel of A-rated carriers
• Creative underwriting for complex or hard-to-place risks
• Flexible terms tailored to each client’s exposure and funding structure
• Competitive commission structures for retail partners

Underwriting Notes

The program requires a minimum attachment point of $300,000 per accident and is only available in excess of a qualified self-insured retention. We partner with agents to structure excess layers—providing per-occurrence and aggregate forms when appropriate—and to evaluate captive or pooled arrangements where applicable.

Territories and Availability

Available in all 50 states and the District of Columbia. We can access both admitted and non-admitted markets depending on the client’s jurisdiction and risk profile.

Why Work With Caitlin Morgan

As a wholesale broker specializing in self-insured workers’ compensation programs, Caitlin Morgan delivers market access, underwriting insight, and placement experience. Our team understands the technical and financial needs of self-insured sponsors—whether a single employer or a group program—and works with reputable carriers to secure competitive, tailored excess placements.

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