How 35 Years and One Unmatched Rating Shape Our Approach

Why Employers Trust Excess Reinsurance

Year after year, self-funded employers face increasing pressure to manage financial risk without compromising the integrity of their health plans. That’s where stop loss coverage comes in and where Excess Reinsurance stands apart.

For more than 35 years, Excess Re has helped employers, brokers, and TPAs contain costs, navigate uncertainty, and build sustainable benefit strategies through expertly underwritten stop loss solutions. Today, we’re proud to be recognized as a market leader with a track record of performance, a national footprint, and a team of actuarial and underwriting professionals committed to your success.

 

 

Tailored Solutions. Real Protection.

Excess Re provides stop loss coverage to a diverse ecosystem of clients. Our solutions are built to scale, backed by data, guided by experience, and tailored to meet the unique needs of every partner we serve.

Whether you’re navigating the complexities of plan design or bracing for the impact of high-cost claims, our team brings clarity to a complex environment, with solutions designed to perform in today’s fast-moving environment.

We know that stop loss coverage can’t be approached as a standardized strategy. That’s why we offer flexible, customizable products that include:

  • CAP Level-Funded
  • Gene Therapy Protection
  • RBP Shield

These enhancements deliver more than just protection; they offer peace of mind, helping employers avoid volatility while still providing robust coverage to their employees.

 

A Mark of Excellence

Excess Re is proud to be the first stop loss underwriting firm to earn a DUAE “Excellent” performance rating from AM Best. This rare distinction reflects our consistent dedication to operational excellence, financial strength, and alignment with client goals in an industry where misaligned incentives are all too common.

We don’t work in silos. Excess Re partners with top brokerages across the country, offering coordinated, custom-fit solutions that meet evolving demands, from rising specialty drug costs to claims uncertainty and everything in between.

Self-funded employers need more than just protection. They need a partner who can help them grow. Excess Re brings the innovation, strategy, and forward  thinking required to operate with confidence.