Excess Work Comp

Excess Work Comp

Solutions for Self-Insured Workers’ Compensation Clients

AmeriTrust Group’s subsidiary, US Specialty Underwriters (USSU), offers excess Workers’ Compensation coverage options, both specific & aggregate, for individual self-insured employers & self-insured groups.

Target Classes

  • Schools (Public, private & charter)
  • Universities, community colleges
  • Health care (Hospitals & nursing homes)
  • Light Manufacturing

Additionally, we are a strong market for:

  • Port authority
  • Water authority
  • Transit authority
  • Cities, counties (Cash flow SIR only)
  • Religious organizations
  • Social service agencies
  • Automobile dealers
  • Hospitality (Restaurants, hotels & country clubs)
  • Retail/Wholesale
  • Manufacturing
    • Automobile parts
    • Aluminum extrusion
    • Industrial products
    • Trailers
    • Food products
    • Dairy products
    • Sporting goods
    • Electrodes
    • Pet food
    • Hair & skin care products
    • Automated liquid handling systems
    • Farm implements
    • Lift trucks
    • Plumbing products
    • Irrigation systems

Add-On Options

  • Communicable disease: A standard Excess WC Policy applies a separate retention per employee due to exposure from the same communicable disease. The communicable disease endorsement applies one retention to the whole claim, regardless of the number of employees involved.
  • Cash flow protection: Limits the insured’s annual paid loss exposure to an amount well below a typical self-insured retention. Can be used in place of, or as a standard, retention enhancement.
  • Multi-year rate: Two-year rate guarantee without a two-year policy commitment.

Excess WC Coverage Add-On Options

  • Excess workers’ compensation (WC):  individual self-insured employers
  • Specific & aggregate
  • First dollar workers’ compensation coverage for employers with incidental operations outside the state(s) in which they are a qualified self-insured


48 States | Not Available: HI & WY

Download a copy of our product profile today