Provided by Stop Loss Group

Captive Stop Loss

Controls the severity of risk in a self-funded program through a stop loss captive.

Stop Loss Captives are an excellent way for employers to help control overall healthcare costs. TMHCC Stop Loss Captives provide protection for employers who are looking for more control of their healthcare dollars.

High-cost claims are more prevalent than ever and being self-funded still carries risk. Sharing your risk via a stop loss captive can insulate employers from fluctuations and volatility in claims by joining together with other like-minded employers.

Tokio Marine HCC – Stop Loss Group offers an approach that gives captive member employers some needed protection for their healthcare dollars. Through partnerships with top-tier captive management partners and top-of-industry back-room experts, TMHCC provides a full-service stop loss solution.

How does it work? The employer pays its premium and a predetermined portion is placed in the captive to cover potential claims. If a claim exceeds the captive’s specific deductible, HCC Life will accept the full exposure. Any premiums remaining in the captive at the end of the treaty year are distributed to the member groups as profit.

Our stop loss captive development model offers every function a stop loss captive needs:

  • Stop loss policies direct with the member groups
  • Flexibility in utilizing the most sensible captive cell facility, including the option to utilize TMHCC’s HCC Captive Solutions, based in Tennessee
  • Captive management through trusted partners or using TMHCC’s internal expertise
  • Regulatory, compliance and legal expertise including all captive agreements/contracts
  • Full back-room capabilities

Our underwriters are all regional experts with many years of experience with captives. They are supported by a team of experts in accounting, law and compliance to ensure smooth operations however your client’s captive is designed. Flexibility is a cornerstone of TMHCC Stop Loss captive solutions.  We offer solutions that will fit nearly any employer’s, broker’s or captive manager’s needs.  Our experience and industry leading expertise provides the backbone for long term stop loss captive success. 

Get in touch
Contact photo
Tony Minnich

Vice President - Captives

Contact photo
Slade Williams

Captive Senior Account Executive

Contact photo
Katie Brandon

Captive Markets Analyst

Documents & forms

Your team

Directory
Head office

11100 Wayzata Boulevard, Suite 350
Minnetonka, MN 55305

(763) 486-1000
Contact photo
Tony Minnich

Vice President - Captives

Contact photo
Slade Williams

Captive Senior Account Executive

Contact photo
Katie Brandon

Captive Markets Analyst

Related products

Medical Stop Loss

Protects employers with self-funded health plans against the risk of severe losses.

Learn more

Taft Hartley

Specifically designed and dedicated unit to meet the unique needs of Taft-Hartley union plans.

Learn more

Organ Transplant

Fully insured option that coordinates with Medical Stop Loss to protect a self-funded plan from losses due to transplant exposures.

Learn more

Cell and Gene Therapy

Helps manage the rising costs of cell and gene therapy.

Learn more
why choose tmhcc

Why choose Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.

More about us Financial strength

Not all products, coverages, or features may be available in all states. Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds.

HCC Life Insurance Company operating as Tokio Marine HCC - Stop Loss Group