Loveland & Smart Insurance Services, Inc. provides reinsurance brokering services for self-insured employers through their existing agents. After many years of underwriting and brokering excess workers compensation insurance countrywide, the principals of the firm saw a need for a countrywide specialist to serve the special needs of large public and private employers without replacing their current agent. The customary purchase of first dollar insurance from an insurer has been outgrown by many employers who would prefer to work with their local insurance professional.
Seeking more control over the cost of their workers compensation liability, large employers have turned to alternative ways to handle losses; both expected and unexpected. Our business is in the unexpected losses. We provide the reinsurance component to cover the unexpected large loss.
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