Excess Workers' Compensation

5Star offers excess workers' compensation brokerage services for your qualified self-insured risks. Our retail agent clients have come to depend on the highest level of service, responsiveness, industry expertise, stability and ease of doing business with the most comprehensive marketplace though a single source. We specialize in the development, implementation, and maintenance of self-insured workers' compensation programs for individual and group risks in the public and private sectors.

We work with our retail broker partners, providing support, expertise and service to ensure that employers receive the necessary experience, effort and timeliness that they expect.

Buffer Excess Workers' Compensation

The 5Star Buffer Layer Excess Workers' Compensation Program is designed for employers who have had to assume an adverse amount of risk under a large deductible or an approved self-insured workers' compensation program. Premium and retentions for some employers, especially in the municipal and education spaces, 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 buy down the risk scale and choose the retention threshold they need at a premium they can afford. Lower retentions makes the working layer manageable over the long term.

Self-Insured Workers' Compensation Often Leaves Expensive Coverage Gaps