Employers has submitted its initial filing for an Excess Workers’ Compensation program in Michigan, marking the carrier’s entry into the state’s excess WC market with a full form, rate, and rule package.

The filing, submitted on December 23, 2025, covers Excess Workers’ Compensation and Employers Liability and is requested to take effect for both new and renewal business on February 1, 2026. The product is designed for qualified self-insured employers and provides specific and aggregate excess indemnity coverage above the insured’s retained limits.

Employers included a broad suite of policy forms and endorsements, addressing areas such as communicable disease (including avian flu), cash flow protection, endemic disease and repatriation, alternate employer arrangements, waiver of subrogation, foreign exposures, and multiple federal act carvebacks, including FELA, Longshore and Harbor Workers’ Compensation Act, and Jones Act endorsements.

The program allows for both specific excess and aggregate excess structures, with limits, retentions, and premiums determined by payroll, classifications, and experience modification factors. Coverage is contingent on the insured maintaining qualified self-insurer status in the covered states, with detailed claims reporting and data-sharing requirements built into the policy.

A similar filing was submitted in Tennessee.