Business meeting.

About Our Founder and his Award Winning Career, Chuck Osborne

Charles (Chuck) Osborne founded Excess Risk Solutions, Inc. in 1999 to service the needs of independent brokers and third party administrators in their search for competitive, yet comprehensive Stop-Loss insurance for their clients’ self-funded health plans.   Chuck also works with employers directly, helping them manage claims costs and Stop-Loss renewals associated with their self-funded benefit plans.

Prior to launching ERS, Mr. Osborne cultivated many strong relationships with well known ‘A’ rated carriers and other professionals while working for several major Fortune 500 carriers in the Stop-Loss Insurance industry.  During his career, Chuck was named Managing General Underwriter of the Year for several years in a row, in addition to doubling the block of stop-loss business in just a few short years for one major carrier.  Chuck’s extensive and successful background, and the strength of his “award winning” relationships allows him to provide one of the most comprehensive, integrated approaches for his clients to protect not only the wealth created in their business, but their most valued assets – their employees.  


Memberships & Affiliations

Self-Insurance Institute of America, Inc.

National Association of Health Underwriters

National Association of Health Underwriters

Florida Association of Health Underwriters

Florida Association of Health Underwriters


Health Care Administrators Association


"We value our relationship with Excess Risk Solutions. We know that when working with Chuck, the big picture items will be handled, but, most importantly, his attention to detail ensures the smaller items don’t fall through the cracks. It’s that type of professionalism that makes ERS a valued partner."

Bill Lutz Managing Director

"I have worked with Chuck and Excess Risk Solutions for over fifteen years. I found he and his staff to be extremely knowledgeable, responsive and creative. I look forward to many more years of working together."

Brady J. Bizal Midwest Risk Underwriters, LLC

"I have known and conducted extensive business dealings with Chuck Osborne and Excess Risk Solutions for over twenty five years. I find Chuck to be the ultimate business professional with a high level of experience, especially in the ESL arena. Simply put, he gets it done!!!"

Alex Giordano, V.P. Elite Underwriting Services