Excess Workers’ Compensation
In additional to our on-line facilities, we represent a number of carriers that can provide guaranteed cost programs as well as loss sensitive programs – retros, large deductibles – countrywide. IPSI represents nearly every available national market for Excess Workers’ Compensation.
OCCUPATIONAL ACCIDENT
Occupational accident coverage targeting those employers or individuals who are not required to carry Workers’ Compensation insurance on a compulsory basis is also available. Most state exempt sole proprietors and partners in a partnership from compulsory purchase of Workers’ Compensation.
Account program highlights:
- Accidental Death & Dismemberment including Paralysis & Loss of Use
- Accident Medical Expenses including broad Dental & Occupational Therapy
- Available to Employees of exempt Fleet Owners
- Passenger Accident coverage by endorsement
- Business Expense Overhead coverage by endorsement
- Temporary Total Disability with no limitation on Commencement Period
Target markets may include independent contractors or owner operator truckers. Coverage includes non-occupational accident medical expenses as well as accidental death and dismemberment.