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Self-insurance for workers’ compensation is a strategic choice to retain and fund losses directly instead of transferring them to a traditional carrier. Unlike standard policies, an individual self-insurance program requires a formal plan to pay claims as they occur—using operating cash or a dedicated reserve—along with compliance steps to meet state requirements. Caitlin Morgan Insurance Services helps agents and brokers evaluate, design and place Individual Self-Insurance Workers' Compensation programs. Our team brings programmatic experience and market access to guide you through feasibility analysis, regulatory filings, actuarial review, and vendor selection so your client’s program is structured and compliant from day one. Ideal Accounts and Appetite This solution is built for larger, financially stable employers that can demonstrate strong claims and safety management. Typical fits include manufacturers, large healthcare operations, colleges and universities, and sizable service organizations with robust loss-control programs. You might have a client with 500+ employees facing escalating premiums and limited control over claims handling — an individual self-insurance program can give them transparency, control, and potential long-term savings. Coverage Highlights and Advantages Self-insurance gives your client direct control over claims administration, loss prevention, and cash flow. Key benefits include: Customizable claims handling and selection of third-party administrators (TPAs) Improved cash flow and the ability to tailor reserve management Greater emphasis on workplace safety and loss prevention initiatives Potential cost savings over time for low-loss employers Applicants must also satisfy state-specific requirements such as surety bonds, reserve funding and periodic reporting. Caitlin Morgan supports compliance, actuarial review and provider selection to help ensure a sustainable program. Underwriting Notes Each submission begins with a feasibility and financial analysis. Underwriting looks at claims history, financial strength, industry exposures, safety programs and risk tolerance. There is no fixed minimum premium published here; applicants must show the financial capacity to fund losses and meet state reserve obligations. Territories and Availability Caitlin Morgan’s Individual Self-Insurance Workers’ Compensation Solutions are available nationwide, including all 50 states and the District of Columbia. We place both admitted and non-admitted structures depending on state rules and client profile. Why Work With Caitlin Morgan Insurance Services? As a Managing General Underwriter and Excess & Surplus Lines Broker, Caitlin Morgan offers focused expertise in alternative risk solutions. We provide hands-on support through the full lifecycle—feasibility assessment, program design, regulatory submission, TPA selection and ongoing program oversight. Our market relationships and technical experience help you place complex large-account workers’ compensation programs with confidence. Contact: Gerry Dumke P: (800)723-7475, Ext. 280 [email protected] Frequently Asked Questions What types of accounts are a good fit for this self-insurance program?Large employers in industries such as manufacturing, healthcare, education and certain service sectors with strong financials and active loss-control programs are the best fit. Does Caitlin Morgan assist with claims administration for self-insured clients?Yes. We help you select and manage third-party administrators (TPAs) to ensure efficient, compliant claims handling tailored to the client’s program. What are the main advantages of self-insuring workers’ compensation?Self-insurance provides greater control over claims, improved cash flow management, stronger alignment with safety programs and potential long-term cost savings for well-managed employers. Is this program available nationwide?Yes. Caitlin Morgan supports individual self-insurance placements in all 50 states and the District of Columbia, with admitted or non-admitted options as appropriate. What financial requirements must a company meet to qualify?Applicants must demonstrate financial stability and the ability to fund claims and reserves consistent with state regulations. We perform a detailed financial and feasibility analysis for each submission. Need help placing an account? Connect with a market specialist.

...nnect you with experienced TPAs, actuaries, utilization review vendors, and pr...?Yes. We can connect you with TPAs, actuaries, provider networks, and utilizat...

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```html Safehold Special Risk offers a comprehensive Sports and Entertainment Insurance Program tailored specifically for the unique risks faced by sports venues, entertainment facilities, and event organizers. With over 30 years of industry expertise, Safehold is a trusted partner for agents and brokers looking to place complex and high-exposure accounts across all 50 states. Overview of the Program From Safehold Special Risk Safehold Sports and Entertainment delivers customized risk management solutions supported by deep industry knowledge and national reach. As one of the largest insurers of sports and entertainment venues in the U.S., Safehold works with a wide array of clients—from professional sports leagues and large convention centers to amphitheaters, racetracks, and special event organizers. The program is available on both admitted and non-admitted paper, depending on the risk and jurisdiction. With in-house underwriting and actuarial support, Safehold designs cost-effective insurance solutions that address the specific exposures faced by each facility or event. Dedicated claims adjusters and proactive loss control specialists help reduce risk and improve outcomes for insureds. Ideal Accounts and Appetite This program is an excellent fit for agents and brokers placing business for clients in the following categories: Sports facilities and fields Fitness clubs and athletic centers Large sporting venues (professional and collegiate) Convention centers and auditoriums Amphitheaters and performing arts theaters Ice rinks, aquatic centers, and racquet clubs Horse and dog racing tracks Leagues, associations, and tournaments One-time and recurring special events If you have a client planning a large outdoor concert, operating a regional ice rink, or managing a collegiate sports complex, this program can help safeguard them against the complex liability and property exposures they face. Coverage Highlights and Advantages Safehold's Sports and Entertainment Program offers a wide range of coverages to protect against both common and unique risks, including: General liability, including athletic participant and spectator liability Liquor liability for venues serving alcohol Property coverage including crime and business income Equipment breakdown Workers’ compensation Excess liability Participant accident liability Special event liability and event cancellation Risk management support is built into the program, with proactive safety and security consultations provided by experienced specialists. Claims are handled by adjusters who understand the nuances of sports and entertainment exposures. Underwriting Notes and Minimum Premiums Safehold’s in-house underwriting team evaluates each submission based on the specific type of venue or event, attendance, activities, and risk profile. While no minimum premium is publicly listed, the program is designed for accounts with meaningful exposures and a need for tailored coverage solutions. Submissions should include thorough risk details to facilitate efficient quoting. Territories and Availability This program is available in all 50 states, including the District of Columbia. Whether your client is located in California, Texas, New York, or anywhere else in the U.S., Safehold can help you place their sports or entertainment risk. Why Work With Safehold Special Risk? As a seasoned program administrator with a national presence, Safehold Special Risk brings unmatched expertise to the sports and entertainment niche. Their in-house underwriting, industry-focused claims handling, and proactive risk services make them a valuable partner for agents and brokers looking to place challenging accounts. With decades of experience and a strong track record, Safehold helps you deliver the right coverage for your clients—on time and on target. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for sports facilities, entertainment venues, fitness clubs, event organizers, racetracks, and leagues or associations seeking specialized liability and property protection. Is this program available nationwide?Yes, Safehold’s Sports and Entertainment Insurance Program is available in all 50 states and the District of Columbia. Does the program offer coverage for special events?Yes, special event liability and cancellation coverage are available for both one-time and recurring events. Are liquor liability and athletic participant liability included?Yes, both liquor liability and athletic participant liability are among the many coverages offered under this program. What information is needed to submit a risk?Submissions should include details about the venue or event, expected attendance, activities, prior losses, and any risk management procedures in place. Need help placing an account? Connect with a market specialist. ```

ERISA Bonds Program from Preferred Concepts LLC Preferred Concepts LLC, through its partnership with Mercator Risk Services, offers a dedicated ERISA Bond program tailored for investment advisors and other professionals managing ERISA-regulated employee benefit plans. This program is designed to meet compliance requirements while providing agents and brokers with efficient access to a reliable market for these specialized bonds. ERISA bonds are a legal obligation for any fiduciary managing assets of an employee benefit plan—such as 401(k)s or pension plans—under the Employee Retirement Income Security Act (ERISA). Many investment advisors may be unaware of this requirement, making it a critical coverage for agents to identify and place on behalf of their clients. Ideal Accounts and Appetite This program is ideal for: Registered investment advisors (RIAs) Financial professionals managing ERISA-governed plans Fiduciaries of employee benefit or pension plans Even advisors with limited ERISA exposure may need this bond to remain compliant. Mercator Risk Services also specializes in helping with hard-to-place or distressed accounts, making this a flexible solution for a wide range of client scenarios. For example, you may have a client with a small RIA firm managing multiple 401(k) plans. They may require ERISA bonds with varying limits based on assets under management. This program can help you address those needs quickly and efficiently. Coverage Highlights and Advantages ERISA bonds written to meet federal fiduciary requirements Limits based on a percentage of plan assets, up to $500,000 per plan Simple underwriting process due to historically low exposure Competitive pricing and turnaround time Custom applications available or use of existing non-renewal applications Mercator Risk Services works closely with brokers to evaluate each client’s needs and determine the appropriate bond structure. The process is designed to be agent-friendly and time-efficient. Underwriting Notes and Minimum Premiums Underwriting is streamlined thanks to the low historical loss ratio associated with ERISA bonds. In many cases, underwriting can begin using an application you already have on file, avoiding redundancy and speeding up the process. Additional information may be requested for distressed or unusual risks. Territories and Availability This ERISA Bond program is available nationwide, including in the District of Columbia. Coverage can be placed in all 50 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, WV, WI, WY. Why Work With Preferred Concepts LLC Preferred Concepts LLC is a trusted wholesale broker offering access to multiple carriers through Mercator Risk Services. Their expertise in specialty lines and niche programs, including ERISA Bonds, allows you to confidently place business for clients with complex or non-standard needs. Whether you're dealing with a straightforward advisor account or a distressed fiduciary risk, their team can support you with fast quotes, knowledgeable underwriting, and customized application options. For more information, call (860) 527-9717 or email [email protected]. Additional resources are available at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this ERISA Bond program?This program is ideal for registered investment advisors, fiduciaries, and other professionals managing ERISA-regulated plans such as 401(k)s or pensions. Can this program handle hard-to-place or distressed ERISA bond accounts?Yes, Mercator Risk Services specializes in difficult and unusual accounts. They can assist with underwriting and placement for distressed or high-risk clients. What is the maximum bond limit available through this program?Bond limits are based on a percentage of plan assets, with a maximum of $500,000 per qualifying plan. Do I need a special application to get started?Mercator can often start with an application you already have, or they can provide a specialized form tailored to your client's needs. Is this program available in all states?Yes, the ERISA Bond program is available in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.