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ProSight Specialty Insurance
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ProSight Specialty Insurance
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Excess Worker's Compensation Insurance Program

ProSight Specialty Insurance offers a robust Excess Workers’ Compensation Insurance Program designed for qualified self-insured entities across a variety of sectors. This is a national admitted program available exclusively through ProSight’s trusted MGA partner, Midlands Management Corporation. If you're an agent or broker seeking a reliable market for self-insured clients in need of excess workers’ comp protection, this program is built to deliver comprehensive coverage solutions.
 

Ideal Accounts and Appetite

This program is specifically tailored for:
  • Heterogeneous groups or associations
  • Stand-alone individual self-insured entities
  • Public entities, such as municipalities and school districts
All insureds must be certified by their state of domicile to self-insure. The program is ideal for organizations with strong loss control practices and the financial capacity to absorb a self-insured retention (SIR).
 

Coverage Highlights and Advantages

  • Terrorism coverage included
  • SIRs as low as $300,000
  • Aggregate/Stop Loss protection available
  • Corridor and Inner Aggregate deductibles
  • Employer’s Liability Coverage up to $5 million
  • Out-of-State Coverage for multi-jurisdictional risks
  • Communicable Disease Coverage up to $50 million
  • USL&H coverage up to statutory limits
  • Ability to work with Third-Party Administrators (TPAs) and self-administered programs
  • Optional package coverage including Auto Liability, General Liability, Property, and Umbrella
 

Underwriting Notes and Program Limits

  • Specific Excess: Up to statutory limits
  • Employer’s Liability: Up to $5 million
  • Communicable Disease: Up to $50 million
  • USL&H: Up to statutory limits
All coverage is written on an admitted basis in most available states.
 

Territories and Availability

This Excess Workers’ Compensation program is available in most states, including but not limited to: CA, TX, FL, NY, IL, and PA. A full list includes over 45 states and the District of Columbia. Please contact Midlands Management Corporation to confirm specific state availability.
 

Why Work With ProSight Specialty Insurance

ProSight Specialty Insurance brings a deep understanding of complex self-insured workers’ compensation needs. By partnering with Midlands Management Corporation, ProSight delivers a streamlined distribution model, experienced underwriting, and access to flexible, high-limit coverage designed for public and private entities. Whether your client is a large municipality, a manufacturing association, or an individual employer with a strong risk profile, this program offers the tools and support you need to protect their workforce and financial stability.
 

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for qualified self-insured public entities, individual employers, and industry associations with strong risk control practices.

Is this program available nationwide?

The program is available in most states, including CA, TX, FL, NY, and many others. Always confirm with Midlands Management Corporation for specific state eligibility.

What are the minimum self-insured retentions (SIRs) required?

SIRs start as low as $300,000, depending on account size, industry, and risk profile.

Can this program accommodate multi-state exposures?

Yes, the program includes Out-of-State Coverage and can accommodate employers operating in multiple jurisdictions.

Does the program allow the use of TPAs or self-administration?

Yes, the program supports clients working with Third-Party Administrators or managing claims in-house.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Carrier
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    "A" A.M. Best
  • Commission:
    varies
  • Min Premium:
    -

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