Case Studies

Non-profit Healthcare Provider

A west coast non-profit healthcare provider riding the waves of the ever changing guaranteed cost market saw it workers’ compensation costs surge to the second largest operational expense for the firm. The Insured had looked at traditional large deductible plans in the past but had an aversion to tying up its working capital with letters of credit or dealing with the volatility of cash collateral arrangements involving loss development factors.

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Member Owned Group Captive

A group of nationwide Moving and Storage Companies were dissatisfied with the traditional insurance options available for their casualty lines of insurance.  The combined lines casualty premium for the movers ranged from $200,000 on the low side to $1.2million on the high side.  Collectively, the premium totaled $8million.  Each of the businesses purchased Guaranteed Cost or Low Deductible Insurance with little or no benefit for favorable loss experience.  The traditional market products offered little creativity and little long term control.

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Contractor's Multi-Line Primary Casualty Solution

An East Coast trade contractor was looking to the alternative market for a tailored insurance market.  The company was purchasing guaranteed cost insurance, though it had all of the attributes of a cost-plus buyer: Casualty lines premium of $2million, solid safety program, proactive claims handling, and a historically low loss ratio.  They were ready to move to the risk/reward world, they were just looking for the right partner.

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Pharmaceutical Company Products Liability

A U.S. based distributor of a specialized pharmaceutical product was frustrated with the inability to obtain affordable Professional and General Liability Coverage. The client’s product was perceived by the traditional risk transfer market as very high risk; though it’s demonstrated loss history was very favorable. Limited conventional market interest resulted in a placement in the excess and surplus lines market.

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