TEXcess



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AmWINS is pleased to introduce TEXcess, a Texas nonsubscribers employer's excess indemnity insurance (EEII) policy. With over 20+ years of experience and knowledge, our team is well positioned to offer this product.
TEXcess is underwritten by Safety National, A.M. Best rated A X, a company focused solely within the employee injury sector with almost 70 years of experience partnering with large employers to provide employee injury protection. We are also privileged to introduce Safety National to the Texas EEII marketplace. Safety National's nationwide reputation, experience, and understanding of workplace injuries make them a natural fit to address the concerns employers have with the current market, limits, and coverage available.
By wrapping around the approved ERISA plan and having fewer exclusions, our policy improves alignment between insurance carrier and insured employer interests in benefit plan cost containment and defense litigation strategy.
TEXcess* provides excess coverage over an occupational injury benefit plan and employer's liability protection.
Program Features:
  • Written on admitted paper approved by the State of Texas
  • Broad coverage form
  • Coverage for attorneys' fees related to both ERISA benefit and employer's liability disputes
  • Simplified payroll definition (W-2) capped at $60,000 per person
  • Self insured minimum retention of $100,000
    • No policy exclusions for the following
    • Intoxication or controlled substances
    • Stroke, hernia, heart attack, or circulatory illness
    • Recreational, social, or athletic activities
    • Acts of God
    • Pre-existing or degenerative conditions
    • Bodily injury occurring outside the U.S. and Canada
    • Participation in riot or assault
Policy Limits Available:
  • Per person limit: Up to $10,000,000
  • Per occurrence limit: Up to $20,000,000
  • Policy aggregate: Up to $25,000,000
Policy Enhancements:
  • First dollar defense coverage, with insured's choice of legal counsel, available by endorsement
  • Standardized ERISA Occupational Injury Benefit Plan is available, along with employee enrollment services; or employer's own ERISA Plan may be approved at higher SIR's
  • Arbitration provisions are included to limit exposure and program expenses
  • Broad form named insured wording covers all affiliates
  • Self-insured retention for occupational disease applies on occurrence basis, not per employee
  • Occupational disease includes coverage for viral infections (i.e., not limited to bacterial infection)
  • Coverage extends to third party liability for actual damages
  • 90% annual minimum premium provision
Claims Administration Services
All claims will be handled on an unbundled basis through approved Third Party Administrators or self-administration.  Employers will have a separate contract with the TPA to maximize service flexibility and cash management options. Safety National will provide best practices oversight on all TPAs and self-administered programs, and will conduct audits to verify that service standards are maintained.
 
Loss Prevention Services
Loss prevention services are available upon request. Service can include on-site consulting, safety training, and safety plan development.
 
Program Availability
TEXcess is available to licensed agents in Texas via Jerry Murphy of AmWINS, exclusive wholesale broker for Safety National.  AMWINS will also coordinate review of current benefit plan to determine compliance with carrier requirements, including dispute resolution protocols and assessment of current plan structure as it relates to the limits needed.
 
*Safety National's TEXcess policy does not provide worker’s compensation coverage.