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Underwriting

Choosing a Managing General Underwriter is more than picking the lowest price.  Sound underwriting judgment, reliability and flexibility are just as important.  At Excess Risk, you’ll find a team with solid underwriting expertise that understands and values your timelines and takes pride in meeting our clients' needs.  We have the ability to exercise flexibility on appropriate risks and recommend strategies to help our self-funded employers maintain a successful benefit plan.  Excess Risk is committed to providing you and your self-funded employers with financially solid carriers and competitive, innovative coverage along with the best possible customer service.  At Excess Risk, every underwriter is an expert in both marketing and underwriting.  Excess Risk's underwriters have both the responsibility and the authority to make decisions regarding the Excess Loss needs of your clients.  You’ll have direct access to our home-office based underwriters – allowing you to follow up on a case at any time.  We sincerely hope that Excess Risk can soon count you among its clients.  Please feel free to contact us regarding proposal submission or if you have questions.

David Johnson Vice President, Marketing Manager        djohnson@errms.net
David Stanard Vice President, Underwriting Manager     dstanard@errms.net

Excess Loss Proposal Requests should include the following information.

  • Name of employer group.
  • Nature of business (SIC code).
  • Current plan of benefits and any proposed changes.
  • Census – Including enrollment status of employees (FT, PT, COBRA, Not covered).
  • Location and enrollment by state, zip. (List all locations if multiple.)
  • Claims experience (by month) for current and previous two contract periods.
  • Large claim experience for current and previous two contract periods, including diagnosis, prognosis.
  • Current and proposed PPO as well as case management, UR.
  • Current and renewal rates, if available.

Proposal requests can be forwarded to the attention of David Johnson at Excess Risk via email djohnson@errms.net or via fax (601) 427-0245.

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