01
Medical Stop-Loss
Specific and aggregate protection for self-funded employers and Welfare Funds, structured around your plan.
- Traditional specific & aggregate
- Aggregate advance products
- Contract & corridor flexibility
- MEC-compatible solutions
Medical Stop-Loss & Excess MGU
Limiting self‑funded risk,
one policy at a time.
Litchfield Underwriters is a full-service MGU delivering fast, best-in-class quotes and proprietary analytics for medical stop-loss and excess — from commercial employers to unions, associations and captives.
- A–A+
- Rated paper only
- 2021
- Founded
- 25+
- Min. lives
Solutions across the risk spectrum
Specific & Aggregate—Aggregate Advance—Group Captives—Excess of Loss—MEC-Compatible—Cost Containment—Welfare Funds—FI-to-Self-Funded—Specific & Aggregate—Aggregate Advance—Group Captives—Excess of Loss—MEC-Compatible—Cost Containment—Welfare Funds—FI-to-Self-Funded—
Full product suite
Stop-loss solutions for straightforward and complex plan designs.
Whether stand-alone or part of a broader program, Litchfield writes across the full risk spectrum — backed by disciplined underwriting and experienced carrier partnerships.
02
Medical Excess
Excess-of-loss layers for complex and large risks, with the flexibility to structure spec only or combined.
- Excess of loss layers
- Combined spec & aggregate
- Extended or short contract options
- Full reporting & analytics
03
Captive Stop-Loss
Group captive programs designed, quoted and managed on Litchfield's own protected cell series.
- Own protected cell series
- Homogeneous & heterogeneous groups
- Spec-only or spec & aggregate
- Full reporting & analytics
Why Litchfield
Underwriting that supports your strategy.
Founded in 2021 to support small and middle-market clients through disciplined underwriting and experienced carrier partnerships.
01
Fast, modern underwriting
Streamlined submissions with efficient turnaround and firm proposals — with or without prior self-funded experience, and no individual medical questionnaires required.
02
Proprietary risk intelligence
Proprietary methodologies and AI-enabled modeling supporting pricing and structure decisions across commercial and Welfare Fund plans.
03
Integrated cost containment
Claims management and cost-containment considerations built into underwriting, with TPA analytics integration to support reporting and pricing.
04
A–A+ rated stability
We write exclusively on A to A+ rated paper, delivering long-term confidence and specialization for every client we serve.
Underwriting & analytics
Best-in-class quotes, built on better data.
Litchfield applies proprietary underwriting supported by advanced analytics to evaluate risk across a wide range of funding strategies.
01
Disciplined risk selection
Proprietary methodologies tailored to commercial and Welfare Fund plans.
02
Advanced data analytics
Embedded discounts and claims data analytics inform every firm proposal.
03
AI-enabled modeling
Modeling that supports pricing and structure decisions on complex risk.
04
Transparent reporting
Full reporting and analytics — including TPA integration for connected clients.
Illustrative underwriting model
0IMQs required
A–A+Rated paper
AIEnabled modeling
- 0%
- Written on A to A+ rated paper
- 0+
- Minimum group size, in lives
- 0
- A-rated carrier partners
- 2021
- Founded for small & mid-market
A+ carrier partners
Stability and specialization, by design.
Litchfield writes exclusively on A to A+ rated paper — delivering stability and long-term confidence for every program we place.
Companion Life
Life & Health
A – A+ Rated
Niagara
Life & Health
A – A+ Rated
Old Republic
Insurance Company
A – A+ Rated
Who we serve
A targeted strategy for distinct needs.
Self-funded employers
Small to mid-size employers with self-funded health plans.
Middle-market commercial
Commercial employers seeking disciplined, data-driven pricing.
Union & Welfare Funds
Taft-Hartley Welfare Funds and association-based plans.
Captives & groups
Homogeneous and heterogeneous group captive structures.
Ready to explore working together?
Submit a case — get a fast, firm proposal.
Brokers, consultants and reinsurance partners: send us the basics and our underwriting team will follow up with a clear, structured quote.