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Texas Employers Excess Indemnity Coverage

Texas Employers Excess Indemnity Coverage offered by ACE Risk Management (ARM), provides comprehensive excess indemnity coverage to employers in the state of Texas who "opt out" of, or non-subscribe to, the state Workers Compensation (WC) system. ARM helps responsible non-subscribers effectively control the costs of employee injury claims.

Benefits:

  • Dedicated underwriting team
  • Specialists in excess risk-financing programs
  • Claims and loss prevention capabilities available
  • Claims services provided by a non-subscriber third party administrator (TPA) accepted
  • Will consider self-administered claims handling for experienced non-subscribers
  • Financial strength of ACE USA, consistently high ratings for financial strength from the industry's principal rating agencies

Coverage:

  • Coverage is provided in excess of a self insured retention (SIR) or it can be layered over another carrier that is primary over a non-subscriber's SIR
  • ARM sells Texas Employers Excess Indemnity coverage through excess and surplus lines producers on a non-admitted basis throughout the U.S.
  • Products are available through licensed surplus lines brokers

 

Minimums

  • Minimum retention: $500,000
  • Insured must have documented ERISA Benefit plan
  • Minimum premium: $150,000

Limits

Up to $15 million

Client Profile

  • Middle market and large accounts that retain significant risk on their WC programs
  • Companies that want flexibility in, and control over, claims administration
  • Companies willing to assume a minimum SIR of $250,000
  • Companies that have successfully implemented loss control and safety programs

Forms / Applications

Document Name Size Date
Aircraft_Supplemental.pdf 27 KB 04/06/2011
Excess_Comp-Generic_Vehicle.pdf 32 KB 04/06/2011
Excess_Comp-Generic_Watercraft.pdf 20 KB 04/06/2011
Excess_Comp-Generic_TPA.PDF 91 KB 04/06/2011
Employee_Concentration_Template.xls 25 KB 04/06/2011

 

The product information above is a summary only. The insurance policy actually issued contains the terms and conditions of the contract. Surplus lines insurance sold only through licensed surplus lines producers.