Excess Workers’ Compensation Explained

When an employee injury results in a costly claim that exceeds your self-insured retention (SIR), excess workers’ compensation kicks in, providing financial protection beyond your primary coverage.

If you’re self-insured, this is your safety net.

Example:

You hold a $400K SIR. A catastrophic claim costs $1.2M. Excess coverage reimburses the claim payment above the SIR for the remaining $800K.

Who This Is For

Bridge Excess Solutions is built for:

Self-insured employers and municipalities

Organizations with dedicated risk teams

Mid-to-large companies operating in approved states

Brokers/TPAs representing qualified risks

How Our Coverage Works

Self-Insured Retention

You choose your retention level based on your appetite and qualifications.

Coverage Limits

Statutory limits available.

Policy Term

One and Two Year Policies Available

Claims Process

Once your SIR is exceeded, Bridge coordinates the reimbursement of all payments above the policy SIR.

Our team works with you to create a policy that fits your risk profile and financial structure.

Why Choose Bridge for Workers’ Excess Coverage

Competitive Pricing

Designed for disciplined risk.

Two-Year Policies

Available for well-performing risks.

Lower SIR Options

Where underwriting allows.

Flexible Payment Plans

We’ll work with your accounting team.

In Partnership with Incline Casualty Co.

A- VIII rated by AM Best and financially superior London reinsurers.

Where We’re Approved

Bridge is currently approved to underwrite in 25 U.S. states.  Check our Eligible Risk page for full state list and industry fit.

Approved States
Pending States

Ready to Get Started?

Review Submission Requirements

Request a Quote or Contact Our Team