Managing Workers’ Compensation exposures continues to be one of the most challenging issues facing businesses today. Many organizations turn to self insurance as a means of exercising greater control over their programs and stabilizing the costs associated with Workers’ Compensation.
Self-insurance is a carefully designed risk management mechanism in which a company elects to pay for their own losses up to a predetermined level. Companies purchase excess insurance to cover losses, which exceed the predetermined amount. TPM has access to multiple markets that can help you cover this exposure.
AM Best Rated: A (Excellent)
Types of Exposures
Self insured accounts are normally medium-to-large insured’s that are sophisticated and financially sound organizations with management that is committed to employee safety.
Types of classes include but are not limited to:
- public entities (municipalities, schools, counties)
- light/medium manufacturing
- wholesale distributors
- self insured associations / groups
Submissions should include:
Completed and signed Excess WC Application
Comprehensive description of operations
3-5 years of currently valued loss runs
Description of large losses
Where to send Submissions
Via US Postal Service
Total Program Management, Inc.
4175 Veterans Memorial Hwy, Suite 306
Ronkonkoma, NY 11779
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