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excess workers compensation insurance

A type of coverage available for risks that choose to self-insure the majority of workers compensation loss exposures. Two categories of coverages are available: specific, which controls loss severity by placing a cap on losses the insured must pay arising out of a single occurrence, and aggregate, which addresses loss frequency by providing coverage once a cumulative per occurrence loss limit is breached.

Links for IRMI Online Subscribers Only: IWC XI.T; RF IV.E


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