Expertise gives rise to creativity and flexibility

Our underwriting staff has an unmatched depth of experience with more than 20 years per person in single-employer, excess-loss underwriting. This knowledge and experience translate into value for our partners, allowing us to push traditional limitations and find inventive, resourceful solutions to your most challenging risks. Simply put, we solve your problems.

Innovation and creativity are balanced with savvy risk assessment in each proposal we issue. As we underwrite each piece of business, we strive for competitive but sustainable pricing, because long-term rate stability and a fair renewal philosophy are hallmarks of a solid, profitable partnership.

At Beacon, we pride ourselves on prompt, personalized service. You have direct access to the underwriter on every case. Quotes are turned around without delay, and deadlines are taken seriously.

We have the ability to bind coverage in all 50 states. Our contracts are comprehensive, offering a variety of innovative and seamless options including:

• Flexible run-in, run-out and "Paid" specific and aggregate contract options.
• Specific Deductibles up to $500,000.
• Aggregating Specific Deductibles.
• Standard Maximum Coverage of $1,000,000, with higher maximums available.
• Specific Simultaneous Reimbursement (SSR).
• Substantial premium credits for top-tier managed care networks.
• Terminal Liability Options.
• Actively-at-Work Waiver (with Disclosure).
• No lasers at renewal (unless specifically requested)