The Risk Tower
Where your risk endsEverything below the dashed line is yours to pay (retained claims). The gold band is your aggregate corridor — the risk margin between expected claims and your ceiling. Above it, the carrier takes over.
Fixed costs are itemized — premium and admin you pay no matter what claims do. Maximum exposure = your aggregate attachment point plus these fixed costs.
Three Years, Three Outcomes
Favorable · Expected · SevereClaims are right-skewed — a bad year sits further from average than a good one. Each column is your all-in cost; the gold cap shows what stop-loss absorbed before it reached the ceiling. Click a column to drive the Specific Stop-Loss view below.
Specific Stop-Loss
High-cost claimants & lasersEach known catastrophic claimant against your specific deductible. Navy is what you retain; gold is what the carrier reimburses above the deductible. Toggle a laser to raise one person's deductible in exchange for lower premium — and watch your retained risk move.
How Aggressive Should You Be?
Attachment sensitivitySlide your specific deductible across its full range. A higher deductible saves premium in a good year but widens the downside. The navy line is your expected cost; the gold line is a severe year.
Self-Funded vs. Fully-Insured
The strategic caseA fully-insured premium is flat — you pay the carrier's markup every year regardless of claims, and they keep the surplus. Self-funding lets you keep the savings in good years, with stop-loss capping the bad ones.