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Employer Stop Loss


Self-funding is a cost-effective and proven model for delivering employee benefits for many companies.  Employer stop-loss coverage protects plan sponsors against catastrophic claims or unexpected losses.

Product Description

  • Offered to employer groups, both for-profit and not-for-profit businesses with 100 to 1,000 employees, that self-fund (ERISA-exempt plans) their group medical and/or dental plan.
  • Specific and aggregate coverage available.
  • Comparatively few excluded industries.
  • State benefit mandates do not apply to self-funded plans. Coverage is customized.
  • Our “best in market” approach allows us to work with a variety of  PPO/provider networks and TPAs.
  • Commissions are negotiable.  Producers may be paid on a “consultative fee” basis by the employer and still place the business with Markel.

Acceptable Risks

Employer groups with 100 to 1000 employees, such as:

  • Consulting firms
  • Financial institutions
  • Hospitals
  • Hospitality industries
  • Law firms
  • Manufacturing companies
  • Municipalities/school districts
  • Nursing homes
  • Retail organizations
  • Service organizations
  • Technology firms
  • Wholesalers and distributors
  • Cases with dependent ratios less than 25%

* If you have a risk that is not listed, please contact Paul Broughton at pbroughton@markelcorp.com

Excluded Industries

  • Multiple Employer Welfare Arrangements (MEWAs)
  • Professional Employers Organizations (PEOs) and employee leasing companies
  • Associations
  • Long-haul trucking companies
  • Underground mining companies

Program Specifics

  • Per person (Specific) excess maximum limit: $5 million
  • Per person (Specific) minimum deductible:  $15,000
  • Group (Aggregate) minimum attachment point:  120% of expected claims

Approved States

Alabama
Arizona
Arkansas
Connecticut
DC
Deleware
Georgia
Idaho
Illinois
Indiana
Kansas
Maine
Maryland
Massachusetts
Michigan

Mississippi
Missouri
New Hampshire
New Jersey
New York
North Carolina
Ohio
Pennsylvania
Rhode Island
South Carolina
Texas
Virginia
West Virginia
Wisconsin

Contact
Paul Broughton, Associate Vice President
800-431-1270, ext. 7618
804-527-7618
pbroughton@markelcorp.com