Trinity Risk has introduced several new Workers' Compensation carve-out insurance products that are designed to help individual or group self-insured accounts manage severity losses with an SIR, Large Deductible or Captive retention.
Our Buffer Layer insurance products provide broad protection across all components of a Workers' Compensation loss (e.g., Accidental Death, Accident Medical, Temporary Partial, Temporary Total, Permanent Partial and Permanent Total). This product is well suited for the first-time self-insured, helping the transition from Guaranteed Cost insurance to the large retentions customarily mandated by Alternative Risk Transfer (ART) markets.
Our Buy-Down insurance products provide first-dollar protection against specific catastrophic Workers' Compensation loss elements, such as an Accidental Death or Dismemberment, minimizing the impact of a large loss on the Loss Fund.
