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Message: [QUOTE="Scottzer, post: 4981217, member: 5571"] I was never a P&C guy, but I know how these concepts work from the health side. In the future, I think they should self-insure on bonuses up to say sweet 16, and obtain stop loss coverage for whatever is beyond that. Up to that level, you could kind of just budget it like it was the insurance premium, and then when you do win it all you get stop loss coverage to pay for it. You end up with a greater chance of the policy paying absolutely nothing, but you really don’t need insurance carriers and brokers fees making a percentage of costs that are reasonably predictable anyway. Over the long haul, this would be more cost-effective, if they could find anyone to work with them on this sort of structure. [/QUOTE]