High-Limit Disability Insurance

HCC Specialty Underwriters, Inc. offers a focused High-Limit Disability Insurance program designed for high-income individuals and business-critical personnel. This program helps protect clients—whether elite athletes, entertainers, C-suite executives, or key contributors—from the financial impact of a serious injury or disabling condition. For agents and brokers, HCC Specialty provides a market capable of delivering limits and policy flexibility that often sit well above traditional group disability options.

Ideal Accounts and Appetite
This program targets high-net-worth individuals and businesses with top-tier talent whose absence would create significant financial exposure. Typical classes include:

Professional athletes and entertainers
CEOs, CFOs and other C-suite executives
Key employees, partners, or owners in closely held companies
Participants in Buy/Sell, Key Person, or executive benefit arrangements

You can use this program when a client acquires a business and needs to insure essential personnel, or when a high-profile performer requires tailored disability protection that standard carriers won’t provide.

Coverage Highlights and Advantages
HCC Specialty’s High-Limit Disability program is built for flexibility and higher limits. Key features include:

Accidental Death & Dismemberment (AD&D) coverage options
Temporary and permanent total disability benefit structures
In-house capacity up to $30 million, with additional limits available upon request
Customizable policy forms to align with Buy/Sell agreements, Key Person policies, and executive benefit designs

The program can supplement existing coverage or act as standalone protection where traditional disability carriers fall short.

Underwriting Notes and Minimum Premiums
HCC Specialty applies flexible underwriting that accounts for complex income structures and non-traditional occupations. Coverage is available for individuals and groups; minimum premiums vary by risk class, coverage amount, and benefit period. Provide clear income documentation, current coverage details, and information on any Buy/Sell or Key Person arrangements to speed underwriting.

Territories and Availability
This High-Limit Disability program is available in most U.S. states, including DC. HCC Specialty operates on a non-admitted basis in many jurisdictions to provide broad access and quicker quoting. States available include: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. Contact HCC Specialty for state-specific filing and eligibility details.

Why Work With HCC Specialty
As a Managing General Agency focused on specialty disability risks, HCC Specialty gives brokers access to deep underwriting expertise, top-tier markets, and tailored policy language. Their strengths include responsive service, experience with complex and high-income risks, and the ability to structure solutions for Buy/Sell, Key Person, and executive benefit needs. Whether you’re placing a policy for a top draft pick or structuring a key person program for a scaling company, HCC Specialty is positioned to underwrite higher limits and customized terms.

Frequently Asked Questions

What types of accounts are a good fit for this High-Limit Disability program?

Ideal accounts include executives, entertainers, athletes, and key business personnel whose absence would cause a material financial loss to the business or individual.

Can this program be used for Buy/Sell or Key Person insurance?

Yes. The program is commonly used to support Buy/Sell agreements and to insure key individuals in business-critical roles.

What is the maximum available coverage limit?

HCC Specialty provides in-house limits up to $30 million, with the option to consider higher limits through facultative or capacity partners upon request.

Is this program available in all states?

It is available in most U.S. states, including DC. Availability, filings, and admitted/non-admitted status may vary by state—check with HCC Specialty for specifics.

What information is needed to get a quote?

Provide the applicant’s basic details, occupation, current income documentation, desired benefit structure, and any existing disability coverage to help expedite a quote.

Need help placing an account? Connect with a market specialist.

U.S. States Available

U.S. States Available:

Provider Type:

Managing General Agency

Carriers:

Keyword Tags:

Coaches Disability (Amateur Sports) Insurance High Limit Individual Disability (Motorsports) Insurance Individual Disability Insurance Sports Disability Program Insurance

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HCC Specialty Underwriters, Inc. has other insurance programs like Event Cancellation Insurance .

HCC Specialty Underwriters, Inc.