Loveland & Smart Insurance Services, Inc.

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Excess Workers Compensation


Large and small retail agents and brokers 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 unexpected losses. We provide the reinsurance component to cover the unexpected loss. Carriers offering this coverage do not all have the same cookie cutter forms. We assist you by explaining the differences and making sure you take advantage of endorsements that expand coverage.


Our Core Business Solutions Include
:

•  Excess Workers' Compensation & Employers Liability

•  Large Deductible Workers' Compensation Programs

•  Surety Bonds for the Self-Insured Employers

•  Loss Portfolio Transfers

•  General and Auto Liability for Public Entities


Optional Coverages & Endorsement Often Available:

•  Cash Flow Endorsements

•  Multi-year Rate Guarantees

•  Retention Buy-down Products

•  Communcable Disease Endorsement

•  Statutory Limits for Workers Comp.

•  Coverage for Group and Association Programs
A national perspective versus a regional or local perspective.

Personalized Services

General Liability & Automobile Liability Programs for Public Entities
**NEW**  Sample Publc Entity Liability Quote Sheet