Buffer Layer Excess Overview


The 5Star Buffer Layer Excess Program is designed for employers who have had to assume an adverse amount of risk under a large deductible or self-insured workers' compensation program. Premium and retentions for some employers, especially in the municipal space, have steadily increased over the years and are now at a point where they can seem out of line with an insured's risk appetite. Employers who self insure their workers compensation or have a large deductible program may be overexposed to catastrophic claims. This program allows your clients to choose the retention threshold they need at a premium they can afford.

Self-Insured Workers' Compensation Often Leaves Expensive Coverage Gaps

Contact and Submissions
Jeff Bogacki
Healthcare Workers' Compensation Solutions/Excess Workers' Compensation


Submissions should include:

  • Acord or Excess WC application
  • 10 years loss experience plus the current year summarized
  • Payroll history coinciding with the loss experience
  • Estimated current payroll by WC class code
  • Summary of individual losses $50,000 or greater
Eligible Classes
  • Biotech
  • Education
  • Healthcare
  • Hospitality
  • Manufacturing
  • Municipalities
  • Non-Profit
  • Public Entities
  • Restaurants
  • Retail
  • Transportation
  • Wholesale
Available Products
  • Accidental Medical
  • Accidental Death
  • Employers Liability
  • Major Permanent Partial Disability
  • Minor Permanent Partial Disability
  • Permanent Total Disability
  • Temporary Total Disability
  • Optional Coverages (Per Person)
    • Aviation
    • Cumulative Trauma
Availability, Coverages Options, Highlights and Parameters
Program Highlights
  • Coverage is written on either a admitted or surplus lines basis, depending on State.
  • Multiple A Rated carriers can offer the coverage.
  • If you do not have access to a surplus lines broker, 5Star Specialty Programs can arrange for the filings to be made and the taxes paid.
State Availability
  • Nationwide
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