Creating Stability in Self-Funded Health

We're experts at balancing costs and risk for employers who choose to self-fund their employee benefit offering.

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Creative Underwriting
Strong Negotiators

More than 30 years of experience delivering customized stop-loss insurance at the most competitive rates, along with outstanding service.

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Brokers & Consultants

Going beyond the basics in Stop-Loss Marketing to help you succeed.

Third Party Administrators

Faster, better outcomes with our unparalleled renewal and claims service.

Employers Who Self-Fund

Maximize benefits while reducing costs & liability, increase compliance.

Additional Insurance

Other insurance products we offer to protect your business.


Drawing on 30+ years of experience, we provide one of most comprehensive, integrative approaches to Self-Funded Benefit Plans and Reinsurance Placement in the industry....

Chuck Osborne, Founder

Welcome to excess risk solutions

Industry Leadership
Solid Experience

ERS is a managing general underwriting firm specializing in the placement of stop loss insurance for independent brokers and third party administrators, as well as employers directly.

ERS’ impeccable record and breadth of experience allows us push beyond the norms to place even the most difficult of risk situations.

Advantages of financially sound carriers, competitive premiums and commissions, as well as fast-turnaround when you need it.

Top managed care network/facilities, Provider Telemed services, online benefit management/ member services, extensive claims data and analysis.

Advantages of Self-Funding

Why Self-Funded Health Plans have gained popularity in recent years.

Since the Affordable Care Act was enacted, many employers have looked into self-funding as a way to control rising premiums and manage regulations. Even with the additional expense of stop-loss insurance, employers benefit greatly from a significant savings, increased cash flow, tax advantages and expanded or more control over the benefits the plan offers.  

Why should you self-fund?

Here's a few reasons why employers to opting to become their own health insurers.

Customized Plan Design

Avoid cookie cutter plans and design the benefit offering to your exact needs, to better attract and retain top talent and better protect your employees. This includes contracting with the providers, provider networks, pharmacy and care managers that are best suited to meet the health care needs of your plan and employees.

Substantial Savings

Experience a significant reduction in taxes created with the implementation of the Affordable Care Act (ACA). Also, expenses such as risk charges, insurance company reserves, and most premium taxes are avoided. Additionally, when premiums collected are less than claims paid out, the difference can earn interest for the company.

Less Hassle, Less Risk

Self-funded plans are governed by ERISA instead of complicated and conflicting state insurance law. Additionally the risk of self-funding is mitigated through the quality stop loss contracts we offer.

What is Stop Loss Insurance ?

Stop-loss insurance (also known as excess insurance) is an insurance product that is purchased by employers who are self-insured, or, in other words, self-fund their own employee benefit plan(s).   Self-funding simply means that the employer, instead of paying a premium to an insurance carrier, reserves a pre-determined set amount for future claims to be paid as they are incurred.  In essence, with a self-insured plan the employer becomes the insurer.  Self-funded employers always run the risk of claims that exceed collected premiums, and, in some cases, far exceed the company’s ability to pay.  Stop-loss insurance protects the employer against such catastrophic or unpredictable losses.

How Self-Funded Health Plans Work

Most often, employers, with the help of an agent or other industry expert, will negotiate with a PPO to provide services for the plan and rates will be set according to the group’s claim history.   A Third Party Administrator (TPA) will be engaged to handle claims and processing.