TMS Re, Inc.
Focused expertise to guide your risk management


Trusted, forward-thinking solutions for employer stop loss insurance.

Employer Stop Loss

TMS Re, Inc. is a trusted resource in Employer Stop Loss and Provider Excess Loss insurance. As one of the largest independent MGUs, we have the flexibility to work one-on-one with you and your clients every step of the way to understand your business and implement forward-thinking solutions efficiently and effectively. As a proven performer in the stop loss industry, we've forged long-term partnerships with leading carriers that strengthen our financial stability and resources and enable us to remain highly competitive on business rates and renewals. 

We recognize the challenges in planning employer group benefits from year to year. Our product portfolio offers groups a full range of stop loss product features. Among the plan policy options we provide:

  • Specific and aggregate coverages

  • Quoting deductibles at $35k and higher

  • Run-in and run-out contract options

  • Aggregating specific deductibles plans

  • Employer plan document mirroring

  • No “new” laser at renewal contract options

  • Renewal rate cap options

  • Gapless renewal provision

  • Experience-rated refund plans

  • Specific and aggregate terminal liability feature

  • Evaluation and rating of reference-based pricing vendors

  • Evaluation and rating of PPO networks

  • Evaluation and rating of accountable care networks.


A Fortune 1000 company rated A+ by both A.M. Best and S&P Global Ratings with more than 90 years' experience in the insurance industry