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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.

Caitlin Morgan Insurance Services offers a robust Captive Insurance Solutions program tailored for agents and brokers seeking alternative risk financing options for their clients. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Caitlin Morgan brings deep expertise in captive and rent-a-captive structures to help businesses gain more control over their insurance programs, manage risk more effectively, and reduce long-term insurance costs. Overview of the Program From Caitlin Morgan Insurance The Captive Insurance Solutions program is designed to support organizations looking for greater flexibility and more direct involvement in their insurance operations. Whether your client is seeking to stabilize costs, access reinsurance markets, or participate in underwriting profits, Caitlin Morgan provides turnkey solutions that are customized to meet unique risk profiles and financial objectives. With access to various carriers and reinsurance partners, Caitlin Morgan supports a range of captive models, including single-parent, group, and rent-a-captive programs. Their bundled services approach simplifies implementation and ongoing management, making captive strategies more accessible for a broader range of businesses. Ideal Accounts and Appetite This program is an excellent fit for mid-sized to large businesses with consistent loss histories and a proactive approach to risk management. Target industries include, but are not limited to: Healthcare facilities and senior living organizations Construction and real estate Manufacturing and distribution Educational institutions and nonprofits Transportation and logistics You might have a client with a strong safety program and predictable claims who is frustrated with fluctuating premiums—this captive solution can help them take more control of their insurance spend. Coverage Highlights and Advantages Key benefits include: Greater input and control over claims handling and risk management Lower net cost of insurance over time Flexible program design tailored to specific risk profiles Direct access to the reinsurance marketplace Opportunity to participate in underwriting and investment results Comprehensive, one-stop bundled services approach These advantages help insureds align their insurance program with long-term business objectives while gaining transparency and stability in pricing. Underwriting Notes and Minimum Premiums Each captive arrangement is customized, and underwriting is based on a detailed review of the insured’s loss history, financials, and operational practices. While there is no universal minimum premium listed, Caitlin Morgan typically works with accounts that are large enough to benefit from the economies of a captive model. Agents should be prepared to provide detailed submission data to determine fit. Territories and Availability This program is available in all U.S. states, including DC. Whether your client is based in California, Texas, New York, or anywhere in between, Caitlin Morgan can assist in structuring a compliant and effective captive solution. Why Work With Caitlin Morgan Insurance Services With decades of experience in alternative risk financing, Caitlin Morgan Insurance Services offers the knowledge, carrier access, and service infrastructure needed to support complex captive arrangements. Their team of specialists works closely with agents and brokers to craft tailored solutions that meet your clients’ operational and financial needs. From initial feasibility analysis to implementation and ongoing management, Caitlin Morgan is your partner in developing successful captive insurance strategies. Captive Solutions Contact: Chris Murray P: (800)723-7475, Ext. 233 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?Businesses with predictable loss experience, strong risk management practices, and a desire for long-term insurance cost control are ideal candidates. Target industries include healthcare, manufacturing, transportation, and construction. What captive structures does Caitlin Morgan support?Caitlin Morgan supports single-parent captives, group captives, and rent-a-captive arrangements, depending on the client’s size, risk profile, and goals. How can a captive help lower insurance costs?Captives can reduce net insurance costs by allowing insureds to retain profitable underwriting results, access reinsurance markets, and better manage claims and loss control strategies. Can Caitlin Morgan help with captive feasibility studies?Yes, Caitlin Morgan offers a turnkey approach that includes feasibility analysis, program design, and implementation services to ensure the right fit for your client. Is this program available nationwide?Yes, Caitlin Morgan’s Captive Insurance Solutions are available in all U.S. states, including the District of Columbia. Need help placing an account? Connect with a market specialist.

...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.

Check out Southern Insurance Underwriters, Inc.'s admitted and E&S markets for Lessor Risk Insurance! Southern Insurance Underwriters, Inc. (SIU) offers a flexible admitted program for Lessor Risk Insurance designed for agents who need broad, A-rated market access and practical underwriting solutions. SIU places General Liability, Property, Crime, Inland Marine and Automobile coverage for a wide range of lessor exposures. Both Standard and Non-Standard placement options are available — and SIU can provide quotes on most risks you have the opportunity to write. Overview of the Program From Southern Insurance Underwriters, Inc. This program is delivered by SIU as a managing general agency with access to multiple "A" rated carriers. It is intended to protect lessors from third-party liability, physical damage to owned property and leased equipment, crime and inland marine exposures tied to leased property, and automobile liability where applicable. SIU emphasizes practical, market-driven solutions for agents placing small to mid-sized lessor portfolios across AL, GA and SC. Ideal Accounts and Appetite Commercial property lessors and landlords (retail strips, small office buildings, industrial units) Equipment lessors and specialty leasing operations that need Inland Marine and Property protection Vehicle leasing and fleet lessors looking for Auto and Liability packages Storage and self-storage operators where tenant property exposures and crime coverage are concerns Typical fits are accounts with straightforward lease documentation, clear loss control practices and total insured values within program guidelines. SIU can also consider non-standard or higher-risk placements through E&S markets when risks fall outside company underwriting limits. Coverage Highlights and Advantages Access to multiple "A" rated carriers for admitted placements Coverage lines available: General Liability, Property, Crime, Inland Marine, Automobile Up to $3 million in Total Insured Value (TIV) without reinsurance — larger programs considered via reinsurance or E&S Property enhancement endorsement offering 20+ additional coverages to tailor protection Not credit or insurance scored — simplifies qualifying smaller or specialty lessors Excess and Umbrella capacity available to broaden limits Underwriting Notes and Minimum Premiums Admitted placements are available where state rules and carrier appetite permit; E&S is used for risks outside those guidelines. Underwriting is risk-specific — minimum premium and final terms vary by carrier, line of coverage and the individual account. Common submission items include lease schedules, loss runs, property values and basic risk control information. Territories and Availability This program is available in AL, GA and SC. SIU positions most business in admitted markets when possible and will access E&S markets for risks that require non-admitted placement or exceed admitted company limits. Why Work With Southern Insurance Underwriters, Inc. on Lessor Risk Insurance Wholesale MGA model gives agents fast access to multiple A-rated admitted markets and E&S solutions. Program flexibility — combination property, liability and inland marine placements tailored to lessor exposures. Experienced underwriting focused on practical, marketable solutions for independent agents. Example scenarios You might have a client who owns several small retail storefronts and needs a combined package for building property, general liability and crime coverage — this program can quote admitted coverage and add excess limits when needed. Or you might place an equipment lessor with $2M in leased assets that needs inland marine plus liability; SIU can consider that account within the $3M TIV guideline or refer to E&S for larger portfolios. Frequently Asked Questions What types of lessor accounts are a good fit for this program?Commercial property owners/landlords, equipment lessors, vehicle leasing operations and small storage operators are core fits. The program works best for accounts with clear lease schedules, standard occupancy types and documented loss control. Is coverage admitted or non-admitted?SIU places most business in admitted markets where available. E&S markets are used for risks outside admitted carrier guidelines or when a non-admitted solution is necessary. What is the Total Insured Value (TIV) limit before reinsurance is needed?SIU will consider up to $3 million in TIV without reinsurance. Larger TIVs may be handled with reinsurance or placed through E&S, depending on the account. What submission information do I need to get a quote?Provide a lease schedule or list of locations/assets, recent loss runs, property values and a summary of operations. Additional details may be requested depending on the lines you need (auto schedules, inland marine schedules, etc.). Are enhancements like excess limits and endorsements available?Yes. The program offers property enhancement endorsements (20+ additional coverages) and excess/umbrella capacity to help tailor limits and coverage to client needs. Need help placing an account? Connect with a market specialist.

Program overview — Citadel Insurance Services: Insurance Program Development and Management With more than 20 years of focused program development and management experience, Citadel Insurance Services provides wholesale underwriting and program administration support to independent agents and brokers. We work with start-up and established programs — designing market placement strategies, structuring coverages, and improving distribution to sustain growth. Citadel specializes in creative solutions for unique or hard-to-place programs, including book aggregation, affinity arrangements, and risk purchasing groups. Our focus Associations Affinity groups Book aggregation Reinsurance access and program layering Risk purchasing groups (RPGs) Industries and classes we commonly support Citadel has driven program success across a wide range of classes. Typical sectors include: Real estate and property managers Contracting and construction-related trades Entertainment and motorsports Healthcare and life sciences Sport, fitness and recreation Manufacturing and transportation (including trucking) Professional liability / E&O for specialized occupations Coverage highlights and advantages This program is designed to help you place accounts that require program-level thinking rather than single-risk placement. Key strengths include: Program design and underwriting structures tailored to affinity and association-based business. Ability to assemble layered capacity, including reinsurance relationships to support larger or aggregated books. Flexibility to create binding authority, master policies, or papering structures that support book aggregation and delegated distribution. Expertise in market placement for unique or non-standard risks that need creative underwriting solutions. Underwriting notes and submission guidance Appetite is program-specific but generally favors group-based or program-style placements where underwriting guidelines, membership/enrollment controls, and loss control protocols can be applied. Typical items underwriters will request include: Program summary and business model (enrollment, premium flow, eligibility rules) Recent loss information or loss runs where available Copies of any membership or contractual agreements tied to the program Fee schedules, aggregation thresholds, and reinsurance structures if already in place Minimum premiums and attachment points vary by product and carrier; specific thresholds are established on a program-by-program basis. Territories and admitted status This program is available in the following jurisdictions: 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, DC, WV, WI, WY. Citadel currently positions these program solutions through non-admitted / surplus lines placements where appropriate and permitted; admitted options may be available with specific carriers on a case-by-case basis. Why place program business through Citadel Deep program-development experience — from concept to mature distribution. Proven ability to place specialized and aggregated books with creative market solutions. Wholesale-broker model that supports delegated authority, tailored wording, and layered capacity. Practical underwriting guidance that helps you structure a program to attract carrier appetite while protecting risk quality. Example client scenarios You represent a regional association seeking to offer a branded liability program to members. Citadel can help structure eligibility rules, partner with carriers for capacity, and design enrollment and premium collection mechanics. You have several small contractors with similar exposure that would produce a more attractive submission if aggregated. Citadel can advise on book-aggregation strategies and place combined coverage with appropriate underwriting controls. Frequently Asked Questions What types of accounts are a good fit for Citadel’s program development services?The best fits are group- or program-style opportunities: associations, affinity groups, book-aggregation arrangements, risk purchasing groups, and other situations where unified underwriting rules, membership controls, or pooled premium flow make a program more marketable. Is this offered on an admitted basis?Citadel generally positions these solutions through non-admitted / surplus lines placements. Admitted options may be possible with specific carriers on a program-by-program basis; discuss the target state and product to determine availability. What do carriers typically require on submissions?Underwriters will expect a clear program summary, eligibility and enrollment procedures, loss history if available, and any existing reinsurance or aggregation terms. The more detail you provide about controls and premium flow, the quicker carriers can assess capacity and terms. Which states do you support?The program is available in: 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, DC, WV, WI, WY. State-specific placement rules apply. Need help placing an account? Connect with a market specialist.