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We strengthen our clients and partners through our stability, longevity, knowledge, and dependability.

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Who We Are

Established in 1996 as a privately held corporation, Employer Benefit Underwriters (EBU) Inc. is a leading National Managing General Underwriter (MGU) writing Medical Stop Loss Insurance.

Since our founding we have been committed to excellence, solely focused on writing Medical Stop Loss Insurance on behalf of our A.M. Best rated carriers.

Our Trusted Partners

As a leading National Managing General Underwriter (MGU) Employer Benefit Underwriters (EBU) Inc. offers Medical Stop Loss Reinsurance through:

Fidelity Security Life Insurance Company

What We Do

Medical Stop Loss

Medical Stop Loss provides protection against catastrophic or unpredictable losses, it protects employers and Taft Hartley groups that have decided to self-fund their employee benefit health plans.

Medical Stop Loss

Specific Stop Loss provides financial protection for self-insured employers from large claims that occur for any one covered individual.
Aggregate Stop Loss provides financial protection when medical claims exceed what an employer expected for the entire group.

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Reference Based Pricing

Reference Based Pricing (RBP) is an option for self-funded employers seeking to limit costs by providing a fixed amount for certain healthcare services, usually as a percentage of Medicare.

Reference Based Pricing

By utilizing Reference Based Pricing to replace the primary PPO network for facility claims, plan sponsors may be able to substantially cut spending.

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Level Funding

Level-funding provides the flexibility and financial advantages of self-funding with the predictability of a budgeted maximum cost and level monthly payment based on enrollment.

Level Funding

When claims exceed the pre-determined deductible in any month, our stop-loss insurance will assume the liability for the rest of the month. Now groups with 25 employees or more can transition from fully insured to self-funding and enjoy the advantages larger organizations have had for years!

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