Excess of Loss Coverage for Self-Insurers: Is it Insurance or Reinsurance?

_[Mr. Hall is a former law firm partner, a former insurance and reinsurance executive and acts as an expert witness and insurance consultant as well as an arbitrator and mediator of insurance and reinsurance disputes. The views expressed in this article are those of the author and do not reflect the view of his clients. Copyright 2010 by the author. Other articles by and background on the author are available at robertmhall.com.] _

** Introduction**

Self-insurance entities often purchase excess of loss coverage from conventional insurers and reinsurers in order to meet the solvency standards of the self-insurers' supervising authorities. …