We are a professional Excess Workers Compensation insurance organization serving to enhance the capabilities of our strategic partners. We are focused on risk transfer for self-insured employers as a way to economically handle their workers compensation liability. Independent, we are not affiliated with any national brokerages in-house wholesaler.

Excess Workers' Comp.

Excess workerscomp works to financially protect the self-insured employer for workerscompensation claims that exceed the designated dollar limit. What excess comp insurance does is cover all workerscomp losses up to a specific dollar amount, or an unlimited amount.

Large Deductible Workers' Comp Programs

large deductible plan provides the same workers compensation insurance coverage as a guaranteed insurance plan. ... A deductible program is designed for large employers who have the capacity to self-insure part of their Worker's Compensation losses.

Surety Bonds for Self Insured Employers

A Workers Compensation bond is a type of surety bond required of employers that wish to enter into a self-insurance agreement with their state. In states where the option to self-insure the required worker's compensation coverage, a surety bond requirement may exist if that option is selected.

Loss Portfolio Transfer to off past liabilities

loss portfolio transfer (LPT) is a reinsurance treaty in which an insurer cedes policies and the loss reserves to pay them to a reinsurer. LPTs allow insurers to remove liabilities from their balance sheets, thus strengthening them, and to transfer risk.

General & Auto Liability for Public Entities

With our long history of service to public entities and our team of dedicated professionals in underwriting, risk control and claim management.

Optional Coverages & Endorsements

Loveland and Smart can apply supplements and/ or endorsements to any policy.


Experience You Can Trust!


Please choose the correct form from the list below:

Self Administration Questionnaire

Employer Profile- Claims

Employer Profile- Loss Prevention

Initial Claim Report


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8300 Fair Oaks Blvd. #306
CA. 95608


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