Wesco Insurance Company, part of AmTrust, has filed a new excess workers’ compensation rating plan in California, marking the launch of an independent Excess Workers’ Compensation and Employers Liability program for qualified self-insured employers.

The filing introduces a standalone Excess Workers’ Compensation Rating Plan that allows eligible self-insurers to purchase coverage above a large self-insured retention, with rates determined on a negotiated, account-specific basis. The minimum retention is set at $250,000, with higher retentions permitted depending on the risk profile.

Coverage is designed for employers that meet state criteria to self-insure their workers’ compensation exposure. Policies may include optional aggregate retention and aggregate indemnity limits, allowing insureds to cap losses within the retained layer. Premiums are developed using customary workers’ compensation classifications and payroll exposure, resulting in a composite rate that may be adjusted for multi-state operations, loss experience, hazard group, and safety programs.

The program includes a broad menu of optional endorsements, ranging from waiver of subrogation and terrorism disclosures to communicable disease enhancements, foreign voluntary compensation, and extended cancellation notice provisions.

The filing was submitted on January 16, 2026, with a requested effective date of February 16, 2026.