EXCESS WORKERS’ COMPENSATION
A Financial Safety Net For Self-Insured Employers
Zenith excess workers’ compensation coverage helps protect qualified self-insured employers from the financial impact of severe or catastrophic claims that exceed an agreed-upon retention.
Protection Above The Retention
Self-insured employers pay claims directly instead of buying a traditional workers’ compensation policy, which means taking on more exposure to large losses.
With excess coverage, the employer pays covered claim costs up to an agreed-upon retention. Once a covered claim exceeds that amount, Zenith pays covered losses above the attachment point, up to the policy limit agreed to when the program is placed.
Retention. The amount the employer pays on a covered claim before excess coverage responds.
Attachment point. Where Zenith’s coverage begins, set at the retention.
Policy limit. The most the coverage pays above the retention, stated at placement.
Built For The Employer, Placed By The Agent
For Self-Insured Employers
Protect against catastrophic claims
Reduce balance sheet volatility
Preserve capital and financial stability
Support a long-term self-insurance program
For Agents & Brokers
Open to qualified self-insured employers, with or without Zenith as TPA
Retentions set on your client’s own experience
Requested commission considered; net structures available
One local Zenith representative from submission to placement
WHY CONSIDER ZENITH
Underwritten To The Employer, Not A Threshold
Client-Specific Underwriting
Our approach considers the individual risk rather than relying on a one-size-fits-all threshold.
Experienced Oversight
Zenith monitors significant claims and may review claim files before losses reach the excess layer.
Broad Opportunity
Coverage may be considered for qualified self-insured employers, whether or not Zenith provides TPA services.
Flexible Retention Options
Specialized workers' compensation claims professionals focused on better outcomes.
WHY AGENTS & BROKERS
Build A Complete Submission
A complete submission helps Zenith understand your client’s exposure, loss experience and desired protection. Pricing reflects what your client retains, so share the structure they want up front.
Include With Your Request
Estimated payroll by class code
Number of employees at each location
Requested retention, aggregate limit and ALAE treatment
Most recent actuarial analysis
Claim history and large losses (if Zenith is not the TPA)
Requested commission percentage
WHAT HAPPENS NEXT
Three Steps To A Quote
Connect
Contact your local Zenith representative with the opportunity.
Evaluate
If it fits our appetite, Zenith works with you on terms and pricing.
Availability and eligibility vary by state, risk profile, requested structure, and underwriting approval.Submit
Zenith reviews the data, operations, loss experience and structure.
Bring Us Your Next Self-Insured Opportunity
Contact your local Zenith representative to discuss fit and requirements.