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Whether for small groups or large groups, self-insurance is often a reasonable alternative to a fully-insured employee benefit program. To be successful, plan administrators need an efficient, easy-to-use system, providing timely plan data and quantitative analyses to make quality decisions. The state-of-the-art software solutions from Apex Data Systems deliver this level of quality and support to Third Party Administrators, Associations, Self-Administering Employers, and other entities challenged with handling the full administration and claims responsibilities of a self-funded trust. No matter how small the organization, to have a strong plan requires a strong system that offers flexibility, accuracy, and full functionality. While also available modularly, the complete systems from Apex Data Systems encompass both administration and claims features delivering a total solution for both professional plan administrators and self-administered groups. Administration Capabilities Apex Data Systems' approach to administration of self-funded programs is not a "watered-down" version, but rather a complete software solution. It includes all the features, if needed, to handle the details of plan design, underwriting, rating, enrollment, billing, cash receipts, posting, delinquency tracking, agent commission processing, renewals, financial reporting, and more. Functionality of special interest to self-funded plan administrators and self-administered groups includes: Ability to support multiple plans and cafeteria selection of benefits at the employee and dependent level. Ability to define contributory and non-contributory programs. User-definable plans carrying unique data fields regarding funding vehicle, reinsurance carrier, policy number, plan year period, certificate issue flags, and other elements that allow these records to define self-insured, reinsured, and fully-insured products. Ability to self-fund by product type or plan code while other coverages are fully-insured, and to have any number of insurance carriers underwrite different contracts, to support the various products offered under an employee benefit program. Consolidated billing on a single invoice for health or other self-funded contributions, specific and aggregate premiums, and life insurance or other fully-insured plan premiums. Administration fee billing combined with or separate from contributions toward a claim fund. Summary Plan Descriptions with ID cards carrying data critical to benefit verification. Census data, enrollment information, and the ability for user defined data mining via ad-hoc query. Analysis reporting of contributions, premiums, financial figures and data for 5500's. Claims Capabilities Available as a part of the consolidated system, or as a standalone module with full eligibility maintenance, the Apex Data Systems claims adjudication system documents claims activities, protects against excessive claims payments, and supports faster and more accurate claims services designed to meet the users' needs. Highlighted features include: Capture of underlying and overlaying plans of benefits for liability of trust versus re-insurer. Monthly reports to manage the plan by line of coverage and employee utilization. Plan design flexibility to match previously insured benefits or suit the user's unique needs. Claims lag reports which detail the time between treatment, the dates claim materials were first received and last received, and the date the claim was paid. User defined maximum number of services, maximum benefits, daily allowances, co-pays, coinsurance levels, deductibles and other parameters by type of service or benefit code. Provisions for preferred and exclusive provider organizations. User-defined cause codes (three-digit alphanumeric field) that let you classify claims activity in a meaningful way, and report on all your claims experience. Complete pending and correspondence support. Seamless, real-time integration with our administration system so the current eligibility status of each insured is recognized immediately as changes are made. Capture of claims information regarding specific and aggregate stop-loss provisions. Automatic alerts when the claim reaches user defined reinsurance reporting point and the actual reinsurance attachment point. Claim check issuance with provider batch payment feature and check reconciliation. Worksheet history for submission to reinsurance carriers. Full claims analysis reports including incurred and paid claims, lag studies, reinsurance reporting, and catastrophic losses by incurred, incurred and paid and paid dates. Standard and ad-hoc reporting is available to support cash flow analysis and monitor reserves.

...to well-capitalized markets and reinsurers to address exposures unique to muni...er and backed by a panel of global reinsurers; strong underwriting and claims ...

Whether for small groups or large groups, self-insurance is often a reasonable alternative to a fully-insured employee benefit program. To be successful, plan administrators need an efficient, easy-to-use system, providing timely plan data and quantitative analyses to make quality decisions. The state-of-the-art software solutions from Apex Data Systems deliver this level of quality and support to Third Party Administrators, Associations, Self-Administering Employers, and other entities challenged with handling the full administration and claims responsibilities of a self-funded trust. No matter how small the organization, to have a strong plan requires a strong system that offers flexibility, accuracy, and full functionality. While also available modularly, the complete systems from Apex Data Systems encompass both administration and claims features delivering a total solution for both professional plan administrators and self-administered groups. Administration Capabilities Apex Data Systems' approach to administration of self-funded programs is not a "watered-down" version, but rather a complete software solution. It includes all the features, if needed, to handle the details of plan design, underwriting, rating, enrollment, billing, cash receipts, posting, delinquency tracking, agent commission processing, renewals, financial reporting, and more. Functionality of special interest to self-funded plan administrators and self-administered groups includes: Ability to support multiple plans and cafeteria selection of benefits at the employee and dependent level. Ability to define contributory and non-contributory programs. User-definable plans carrying unique data fields regarding funding vehicle, reinsurance carrier, policy number, plan year period, certificate issue flags, and other elements that allow these records to define self-insured, reinsured, and fully-insured products. Ability to self-fund by product type or plan code while other coverages are fully-insured, and to have any number of insurance carriers underwrite different contracts, to support the various products offered under an employee benefit program. Consolidated billing on a single invoice for health or other self-funded contributions, specific and aggregate premiums, and life insurance or other fully-insured plan premiums. Administration fee billing combined with or separate from contributions toward a claim fund. Summary Plan Descriptions with ID cards carrying data critical to benefit verification. Census data, enrollment information, and the ability for user defined data mining via ad-hoc query. Analysis reporting of contributions, premiums, financial figures and data for 5500's. Claims Capabilities Available as a part of the consolidated system, or as a standalone module with full eligibility maintenance, the Apex Data Systems claims adjudication system documents claims activities, protects against excessive claims payments, and supports faster and more accurate claims services designed to meet the users' needs. Highlighted features include: Capture of underlying and overlaying plans of benefits for liability of trust versus re-insurer. Monthly reports to manage the plan by line of coverage and employee utilization. Plan design flexibility to match previously insured benefits or suit the user's unique needs. Claims lag reports which detail the time between treatment, the dates claim materials were first received and last received, and the date the claim was paid. User defined maximum number of services, maximum benefits, daily allowances, co-pays, coinsurance levels, deductibles and other parameters by type of service or benefit code. Provisions for preferred and exclusive provider organizations. User-defined cause codes (three-digit alphanumeric field) that let you classify claims activity in a meaningful way, and report on all your claims experience. Complete pending and correspondence support. Seamless, real-time integration with our administration system so the current eligibility status of each insured is recognized immediately as changes are made. Capture of claims information regarding specific and aggregate stop-loss provisions. Automatic alerts when the claim reaches user defined reinsurance reporting point and the actual reinsurance attachment point. Claim check issuance with provider batch payment feature and check reconciliation. Worksheet history for submission to reinsurance carriers. Full claims analysis reports including incurred and paid claims, lag studies, reinsurance reporting, and catastrophic losses by incurred, incurred and paid and paid dates. Standard and ad-hoc reporting is available to support cash flow analysis and monitor reserves.

To offer the best, you must work with the best—and Capitol Special Risks delivers with a specialized Insurance Agents and Brokers Professional Liability Insurance program backed by highly experienced underwriters and top-tier carriers. Designed for retail agents and brokers looking to protect their own operations or their clients in the insurance industry, this program provides comprehensive E&O coverage with broad eligibility and flexible terms. Ideal Accounts and Appetite Capitol Special Risks considers a wide range of professional placements in the insurance distribution chain, including: Retail Insurance Agents and Brokers Wholesalers, MGAs, and MGUs Reinsurance Intermediaries and Reinsurance Brokers Third-Party Administrators (TPAs) This program is suitable for both small and large firms, including sole proprietors and retiring agents who need extended reporting options. Whether your client is a startup agency or a multi-state operation, Capitol can help you place the right coverage. Coverage Highlights and Advantages Insurance Agents and Brokers Professional Liability Insurance Coverage Features: Broad Professional Services Definition Duty to Defend Insured’s Written Consent Required for Settlements 50/50 Soft Hammer Clause Mutual Selection of Defense Counsel Coverage Extensions: Disciplinary Proceedings Reimbursement Loss of Earnings and Expense Reimbursement Subpoena Legal Expense Spousal/Domestic Partner/Estates/Legal Representative Liability Breach of Privacy and Security Intellectual Property Rights Infringement Personal Injury and Punitive Damages Final Adjudication and Severability for Fraud Claims Insolvency Exclusion Carve-Back for B+ or Better Insurers and Government Guarantee Funds Carve-Backs for Securities, ERISA, and Patent Exclusions 60-Day Automatic Extended Reporting Period Mediation Credit and Application Severability Bi-Lateral Extended Reporting Period (up to 5-year tail or unlimited for retiring sole proprietors) Optional Enhancements Available: Aggregate Retentions First Dollar Defense Additional Defense Limit of Liability Continuity of Coverage Cyber/Privacy and Security Coverage Underwriting Notes and Minimum Premiums Capitol Special Risks offers flexible underwriting with access to multiple carriers. Minimum premiums vary depending on risk size, exposure, and coverage options. This non-admitted program gives you access to customized solutions unavailable in the standard market. Fast turnaround is standard, and Capitol never charges broker fees, making this an efficient and cost-effective option for your clients. Territories and Availability This program is available in all 50 states, including DC. No matter where your client is located—from California to New York, Florida to Alaska—Capitol has you covered. Why Work With Capitol Special Risks? With over 30 years of expertise in professional liability, Capitol Special Risks is a trusted wholesale broker that understands the unique exposures faced by insurance professionals. Their responsive team, efficient quoting process, and access to top-rated, specialty carriers make them a reliable partner for agents and brokers nationwide. Whether you're placing coverage for your own agency or helping a client with complex E&O needs, Capitol Special Risks provides the tools, expertise, and flexibility to get the job done right—and fast. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for insurance agents, brokers, MGAs, MGUs, reinsurance intermediaries, TPAs, and similar professionals in the insurance distribution chain. Is this program available in all states?Yes, Capitol Special Risks offers this E&O program in all 50 states, including the District of Columbia. Does the program offer an Extended Reporting Period?Yes, a 60-day automatic ERP is included, with options to purchase up to a 5-year tail or unlimited ERP for retiring sole proprietors. Are cyber/privacy coverages included?Cyber/privacy and security coverages are available as optional enhancements to the core policy. Is there a minimum premium for this coverage?Minimum premiums vary by risk profile, but Capitol offers competitive pricing and fast quotes tailored to your client’s needs. Need help placing an account? Connect with a market specialist.

The Indiana Schools Education Service Center (ISESC) Risk Management Program, administered by Caitlin Morgan Insurance Services, offers school systems in Indiana a smart alternative to traditional commercial insurance. Designed specifically for Indiana public schools, the program delivers long-term cost savings, improved claims handling, and comprehensive risk management support—all backed by a stable reinsurance structure through Midwest Employers Casualty Company. Overview of the Program From Caitlin Morgan This exclusive program is tailored to meet the risk management needs of Indiana public schools by providing an efficient and cost-effective solution to workers’ compensation and other school-related exposures. Historical rate analyses show that participating schools could have saved between 10–30% annually over the past five years compared to standard commercial premiums. These savings are further enhanced by the ability to earn investment income through each school’s segregated ISESC account. Ideal Accounts and Appetite This program is ideal for: Public K-12 school systems in Indiana Education service centers and related educational institutions Schools looking for long-term premium stability and effective loss control If you work with schools that are struggling with rising insurance costs or inconsistent claims performance, this program may be the perfect fit. For example, an Indiana school district with a strong safety culture but frequent small claims could benefit from the program's proactive loss prevention and dedicated claims oversight. Coverage Highlights and Advantages Structured reinsurance through Midwest Employers Casualty Company caps annual exposure for each school Dedicated claims management services to reduce loss costs and improve outcomes Comprehensive loss prevention and safety programs tailored for schools Segregated accounts allow schools to earn investment income on premium savings With a focus on minimizing claims and maximizing efficiency, Caitlin Morgan’s program enables schools to better allocate resources toward education rather than insurance expenses. Underwriting Notes and Minimum Premiums Underwriting is handled by Caitlin Morgan in collaboration with local designated agents familiar with school operations. While specific minimum premiums are not published, the program is best suited for school systems with meaningful payrolls and a commitment to safety and risk reduction. Territories and Availability This program is available exclusively in Indiana. Any Indiana-based insurance agent who writes or markets to schools is eligible to access the ISESC Risk Management Program through Caitlin Morgan Insurance Services. Why Work With Caitlin Morgan Insurance Services? As a program administrator with deep expertise in educational risk, Caitlin Morgan brings a hands-on approach to managing school risks. Their partnership with Midwest Employers Casualty Company ensures financial stability and experienced reinsurance support. Agents benefit from working with a team that understands the unique challenges faced by school systems and can deliver tailored insurance solutions backed by strong service and claims support. To learn more about placing school accounts through the ISESC Risk Management Program, contact: Indiana Schools Education Service Center Risk Management Program (ISESC) Contact: Stan Murray P: 800-723-7475, Ext. 222 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?Public K-12 schools, education service centers, and school corporations located in Indiana are ideal candidates, especially those seeking better cost control and proactive risk management. Can any insurance agent access the ISESC program?Yes, any Indiana-based agent who writes or markets to schools may access the program through Caitlin Morgan Insurance Services. What coverages are included in the ISESC Risk Management Program?The program primarily focuses on workers’ compensation and includes comprehensive claims management, loss prevention services, and structured reinsurance backing. How does the program help schools save money?Schools benefit from lower premiums compared to commercial rates, have the opportunity to earn investment income on surplus funds, and reduce losses through focused claims and safety services. Is this an admitted or non-admitted program?The program is available in all applicable admitted states and is currently offered to Indiana schools through admitted markets. Need help placing an account? Connect with a market specialist.