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Texas Employers Excess Indemnity Coverage

If you are a Texas employer who has opted out of the Texas state workers compensation system, you can still get help controlling the cost of employee injury claims.

Nonsubscribers in Texas can partner with Chubb for coverage options when they opt out of the state workers compensation program.

Coverage Highlights


  • Dedicated underwriting team
  • Specialists in excess risk-financing programs
  • Claims and loss prevention capabilities available
  • Claims services provided by a non-subscriber third party administrator (TPA) accepted
  • Will consider self-administered claims handling for experienced non-subscribers
  • Financial strength of Chubb, consistently high ratings for financial strength from the industry's principal rating agencies


  • Coverage is provided in excess of a self-insured retention (SIR) or it can be layered over another carrier that is primary over a non-subscriber's SIR
  • Chubb Global Casualty sells Texas Employers Excess Indemnity coverage through excess and surplus lines producers on a non-admitted basis throughout the U.S.
  • Products are available through licensed surplus lines brokers


  • Minimum retention: $500,000
  • Insured must have documented ERISA Benefit plan
  • Minimum premium: $200,000


  • Up to $15 million

Client Profile

  • Middle market and large accounts that retain significant risk on their WC programs
  • Companies that want flexibility in, and control over, claims administration
  • Companies willing to assume a minimum SIR of $250,000
  • Companies that have successfully implemented loss control and safety programs


  • Aircraft Supplemental
  • Excess Comp-Generic Vehicle
  • Excess Comp-Generic Watercraft
  • Excess Comp-Generic TPA
  • Employee Concentration Template

Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers.

Chubb is a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs approximately 40,000 people worldwide. Additional information can be found at: