Many Massachusetts cities and towns choose to self-insure their health insurance benefits as it may be the most cost-effective way to finance their health plan. The Stop-Loss Division at our branch of Hilb Group helps self-insured municipalities by managing all activities related to their stop-loss insurance policies. This is critical because stop-loss insurance provides reimbursement against large claims which makes self-insuring financially safe and predictable.

During the past few years, the municipal stop-loss market has seen much change. As insurance carriers come and go, and differences in stop-loss policy rates, terms and conditions vary greatly, we keep our clients ahead of the curve and provide the necessary details to make informed decisions. This enables us to deliver the most competitive, flexible and tailored solutions to our self-insured clients.