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Excess Workers' Compensation

Chartis is one of the largest providers of Excess Workers' Compensation in the United States.  We offer comprehensive and reliable coverage options for self-insured clients in virtually all classes of business and serve over 30 individual qualified self-insured groups, associations and trusts.  Our coverage is specifically designed for self-insureds willing to retain aggregate exposures and assume per accident/per employee disease self-insured retentions of at least $500,000.

Features and Benefits Back To Top
  • Features

    Our Excess Workers’ Compensation division has two different products to fit the specific needs of individual clients in any industry, including healthcare, higher education, manufacturing, municipalities, retail and temporary staffing. We can also support both homogeneous and heterogeneous qualified self-insured mechanisms for groups, associations and trusts.
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    Specific Excess Workers’ Compensation and Employers’ Liability Policy enhancements include:
    -  Statutory limits for Workers’ Compensation benefits coverages
    -  Employers’ Liability limits of $2 million (higher by exception only)
    -  ALAE included in the definition of loss and contributing 100% to the erosion of the self-insured 
       retentions (where permissible by state law)
    -  Minimum self-insurance retentions as low as $500,000 (lowered by exception only) as
       determined by risk characteristics
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    XWC-Elite®
     Comprehensive specific coverage for self-insured clients that are willing to retain aggregate exposure and assume per accident/per employee disease self-insured retentions as low as $500,000 (lowered by exception only).

    XWC-Elite provides coverage for:
    -  Communicable Disease
    -  Foreign Voluntary Compensation
    -  In Rem
    -  Waiver of Subrogation (for written contracts)
    -  Repatriation Expense and Endemic Disease
    -  Longshore and Harbor Workers’ Compensation Act
    -  Outer Continental Shelf Lands Act
    -  Stop Gap Coverage
    -  Broad Form Other States
    -  Federal Coal Mine Health and Safety Act
    -  Federal Employers Liability Act
    -  Jones Act
    -  Omnibus Reconciliation Act
    -  Voluntary Compensation Coverage
    -  Migrant and Seasonal Worker Protection Act
    -  Unintentional Errors
  • Benefits

    Our program benefits are in place to help clients mitigate losses and effectively manage or reduce costs.

    -  Provides statutory benefits with limits up to $5 million
    -  Early intervention strategies to help clients manage their large exposure claims are supported by
       some of the most experienced claims professionals in the industry
    -  Loss prevention services employed by experienced industry specialists
 
Claims Back To Top

Our specialized claim services ensure that all workers’ compensation claims - from the simplest medical-only to the most complex - receive the focused care and attention needed for prompt and effective resolution.

  • Experienced Claims Specialists
    With an average of 18 years workers’ compensation expertise, our staff helps clients manage their large exposure claims by: 
    -  Working with third-party administrators (TPAs) and self-administered programs to help clients
       understand our reporting and claims guidelines.
    -  Providing strong account support from the earliest stages of account setup.
    -  Collaborating with policyholders to review claims, expedite claim resolution and control claims cost
       upon notification of a catastrophic or high-dollar claim, while providing effective medical care to our 
       insureds’ injured employees.
    -  Offering additional client-driven claims services including bill audits, structured settlements and bill
       negotiation.
    -  All workers’ compensation claims are directly assigned, based on severity and complexity, to the claims
       professional most qualified to handle it to resolution, increasing the level of expertise applied to each
       case.
    -  986 techical staff are deployed in 26 states dedicated to workers' compensation

  • Early Intervention Strategies
    We employ early intervention claims strategies to ensure medical costs are effectively managed and proper treatment is administered.  Our suite of medical management programs include:
    -  Nurse Case Reviews
    -  Catastrophic Case Management
    -  24/7 On-Call Professionals
    -  Non-Emergency Medical Transportation
    -  Home Health/Nursing Services
    -  Diagnostic Networks
    -  Non-Network Bill Negotiation
    -  Durable Medical Equipment & Products

  • To report a claim please contact us:

     Telephone:  877-399-6442
    To check a status of a claim, please contact us at 866-473-0756

  • Claims Archive

    To search excess workers' compensation claim scenarios, please visit the Claims Archive.

Loss Control Services Back To Top

Our loss control service program supplements our internal resources with the expertise of national consulting groups for various industries including:
-  Healthcare
-  Higher Education
-  Manufacturing
-  Power Generation
-  Public Entities. 

Our partnership with consulting groups ensure we can deliver quality loss control services to assists clients in successfully managing workplace hazards, regulatory requirements and related business risks.

 We collaborate with each client to help identify, analyze and control risks by addressing areas such as:
-  Organization and structure
-  Emergency planning and preparation
-  Communication and response systems
-  Training and awareness
-  Internal resources capabilities
-  External resources and response

Our Global Loss Prevention team works with industry specialists to develop a complete loss control plan that helps clients manage their traditional and progressive risks.