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Large Deductible Workers Comp - Let us find your best coverage - loss-sensitive programs for larger employers

Large deductible workers comp lets employers with steady payroll keep the first part of each claim in exchange for much lower premium. Carriers look at your loss history, financial strength and claims management. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.

Large Deductible / Self-Insured Retention Quote Request

Applicant Information:

Business Structure (Optional - choose one)

Have these handy

  • Five to ten years of loss runs
  • Audited financial statements
  • Payroll by state and class
  • Current safety and claims programs

Related coverage

Coverage details

What Large Deductible coverage includes

Large deductible workers comp lets employers with steady payroll keep the first part of each claim in exchange for much lower premium.

  • Premium savings - Lower fixed cost in exchange for a per-claim deductible.
  • Per-claim deductible - You fund losses up to the retention you choose.
  • Aggregate cap - A ceiling on total deductible losses in a year.
  • Claims control - More say in claims handling and TPA choice.
  • Cash flow - Pay losses as they come rather than upfront.

Good to know: most carriers want $250,000+ in standard premium and will require collateral, usually a letter of credit, sized to expected losses.

Not covered: losses within the deductible, which you pay, and claims expense that falls inside the retention on many programs.

Insurance Application:

Large Deductible / Self-Insured Retention

Required forms

Large Deductible / Self-Insured Retention Supplemental Application (PDF)

Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.

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