New Aggregate Excess of Loss Program from Chatham Insurance Services
PRODUCT: Chatham, Aggregate Excess of Loss.
COMPANIES: Chatham, A DOXA Company; DOXA.
BEST RATING: A+
AVAILABILITY: Appointed agents and brokers only.
FOCUS: Chatham’s Aggregate Excess of Loss coverage is designed for accountable care organizations (ACOs) and other provider groups participating in value-based care (VBC). As these organizations shift away from fee-for-service and toward delivering higher quality, lower-cost care in VBC arrangements, financial performance becomes more volatile. This drives the need for aggregate protection.
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This coverage helps limit downside risk tied directly to an ACO’s financial benchmarks, giving providers greater budget certainty and confidence as they pursue shared savings opportunities.
Chatham has been offering management liability coverage to provider groups for more than 20 years and began offering this specific excess of loss coverage in 2025. Offering aggregate excess of loss coverage allows Chatham to be a one-stop shop for these multiple coverages for provider groups and brokers in a limited market of insurers offering this coverage.
COVERAGE DETAILS: The coverage is intended to mirror the key financial repayment features of a provider-payer agreement. There is a shared savings guarantee option for high-performing ACOs in the Medicare Shared Savings Program (MSSP), Realizing Equity, Access , and Community Health (REACH), and Long-Term Enhanced ACO Design (LEAD) programs, offering coverage that attaches below the benchmark.
Chatham’s Aggregate Excess of Loss offers deductibles according to client preferences and limits of $5 million to more than $50 million.
UNDERWRITING: The key rating factors for coverage are the projected aggregate performance and the type of payer agreement the ACO is participating in.
TARGET: Chatham’s target demographic is providers and ACOs participating in CMS shared savings programs, such as MSSP, REACH, and LEAD.
COVERAGE AVAILABILITY: Nationwide.
CONTACT: Josh Brickell, executive vice president, excess of loss, Chatham Insurance Services; 404-395-4353.
Will Jones is IA editor-in-chief.
