Addressing Gaps in Workers’ Compensation Coverage

Sutton Reinsurance provides specialized Industrial Aid coverage for Aircraft and Group Land Transportation risks—designed to support businesses whose employees travel via company-owned or leased aircraft or land-based vehicles.

These exposures are frequently excluded from an insurer’s Workers’ Compensation treaty or the original Workers’ Compensation policy, creating a potentially significant coverage gap. 

Sutton’s reinsurance indemnifies the insurer for statutory accident and health benefits paid following incidents occurring during employee travel—whether by air or land.

Industrial Aid Aircraft and Group Land Transportation reinsurance can cover a wide range of exposures, including:

  • Executive travel on corporate aircraft

  • Air ambulances & cargo transport

  • Firefighting & aerial photography

  • Sports team travel

  • Land-based transportation of oil rig, agricultural, or remote site workers

How It’s Structured

This reinsurance is often structured as excess-of-loss coverage, with the insured retaining a minimum of $100,000 per occurrence, and a Maximum Any One Life (MAOL) limit of $1 or $2 million. Sutton Re can offer up to $30 million of per occurrence limit, written on behalf of various Lloyd’s syndicates.

The following information is required to quote:

  1. Name of insurer

  2. Insured company name & location

  3. Brief description of the nature of the insured company’s business

  4. Proposed effective & expiry dates (typically 12-month periods)

  5. Desired limit of reinsurance liability & attachment point

  6. Completion of Industrial Aid Aircraft and/or Group Land Transportation questionnaire(s), or:

    a. Aircraft/vehicle make, model and seating capacity

    b. Average number of employees travelling

    c. Annual flight hours per aircraft, and/or annual miles travelled per vehicle

    d. Purpose of employee travel

    e. Pilot applications, and/or details regarding drivers’ qualifications and records

Industrial Aid Aircraft and Group Land Transportation reinsurance helps insurers effectively manage concentrated risks associated with corporate travel—supporting both solvency and compliance with U.S. Workers’ Compensation requirements while addressing potential gaps in coverage.

Should you have any questions about this type of coverage or other Accident & Health reinsurance products, please get in touch with us.

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