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Self-funded and partially self-funded plans offer flexibility, but they also expose your organization to unpredictable costs. High-dollar claims and specialty drug expenses can disrupt your budget and impact your workforce. Employer Stop Loss insurance helps reduce the financial impact of runaway claims—giving you control over your spending without increasing downside risk. Brown & Brown’s specialists tailor coverage to your needs, helping you protect your plan and unlock smarter funding options.
Why Employer Stop Loss and Alternative Funding Strategies Matter
Self-funded strategies give you transparency and customization, but they come with exposure. A single catastrophic claim can derail your financial plan. Stop Loss coverage helps transfer that risk efficiently, protect your balance sheet, and maintain stability.
How Brown & Brown Supports Your Employer Stop Loss and Alternative Funding Needs
Brown & Brown's dedicated Stop Loss Practice is an integral part of our service team, with multiple decades of experience with self-funding and direct stop loss placements across industry sectors. The team provides data-driven consultative services utilizing our actuarial tools and insights to help determine proper liability and risk exposure. We help you build a funding strategy that supports your goals and protects your people.
Brown & Brown’s Stop Loss specialists provide access to a wide range of products, tools and resources to help you manage risk and optimize funding.
- Preferred panel and comprehensive stop-loss market analysis
- Experience refunds
- Plan mirroring
- Early rate lock
- No new lasers
- Advance funding on specific claims
- Terminal liability
- Multi-year options with guaranteed renewals
- Aggregating specific retention
- Rate caps on specific renewals
Additional Resources
Benefits Breakdown | Podcast
It’s no secret, employee benefits are complicated. We’re here to break things down and help you build a roadmap for your approach to benefits. Together with our expert guests, we’ll explore complex, counterintuitive and compelling topics that give ...
Market Trends
Our 2026 report unites Brown & Brown and Risk Strategies resources, knowledge and proven experience to deliver stronger insurance solutions for commercial insurance, employee benefits and personal insurance.
Recorded Webinar | Family Medical Leave Act (FMLA) and Health Benefit Plans
Employers subject to the Federal Family and Medical Leave Act (FMLA) must provide job-protected leaves of absence to covered workers, including offering protections for health care and other benefits. Although many employers understand the job ...
Recorded Webinar | Trends in Employee Benefits for Hospitals and Health Systems – 2026
Watch our webinar below where you will get a look at the key findings from our healthcare industry benefits survey, 2026 edition. We also discuss the implications for healthcare industry employers, as well as emerging employee benefit trends within ...Explore Other Employee Benefits Solutions & Service Support
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Employer Stop Loss
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Employee Benefits Solutions
-
Employee Benefits Administration and Technology
-
Employee Benefits Compliance Support
-
Data Analytics Solutions - HR and Finance Leaders
-
Population Health and Well-Being Services
-
Pharmacy Benefits
-
Voluntary Employee Benefits and Lifestyle Benefits
-
Medicare for Employers and Employees
-
Non-Medical Benefits and Absence Management Solutions
Connect with Brown & Brown
Schedule a consultation with our Brown & Brown team to explore how tailored funding strategies can help you manage costs, reduce risk, and support your employees. Learn how Brown & Brown can help protect your plan and your people through customized stop loss solutions.
