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Excess of Loss — Aggregate
Chatham’s Excess of Loss — Aggregate coverage is designed for Accountable Care Organizations (ACOs) and other provider groups participating in value-based care (VBC). As these organizations shift away from fee-for-service and toward delivering higher quality, lower-cost care in VBC arrangements, financial performance becomes more volatile. This drives the need for aggregate protection.
This coverage helps limit downside risk tied directly to an ACO’s financial benchmarks, giving providers greater budget certainty and confidence as they pursue shared savings opportunities.
Why Excess of Loss — Aggregate?
Even the best-performing ACOs can face unexpected headwinds outside of their control. Unplanned fluctuations in claim costs, changing patient panels, or shifting benchmarking methodology can put financial performance at risk in any given year. Chatham’s aggregate solution is:
- Targeted: Coverage is explicitly tied to the shared savings and losses that directly impact an organization’s P&L.
- Simple: Straightforward coverage structure and claim reconciliation.
- Individualized: Coverage structure is shaped by each ACO’s strategy and risk tolerance.
By protecting against aggregate losses, ACOs can stay focused on what matters most: Providing high-quality care and maximizing shared savings.
Chatham Insurance Services is a division of DOXA Programs, LLC, an Indiana limited liability company (d/b/a DOXA Programs Insurance Services in the State of California, License #6012212).
Who Benefits from Aggregate Coverage?
- Accountable Care Organizations (ACOs): Whether formed through independent practices, hospital-owned groups, or private equity-backed providers, ACOs can leverage aggregate protection to safeguard financial performance.
- Providers in VBC arrangements: Doctors and health systems prioritizing patient care and quality outcomes while seeking stability in revenue.
- Brokers and advisors: Those helping ACOs navigate complex insurance options in a niche and growing market.
Why Work with Chatham?
Capacity in the aggregate space is limited, and Chatham is the only insurer that has invested dedicated resources to understand and serve this specialized space. With a proven track record in management liability and specific excess of loss, Chatham is uniquely positioned to deliver value-driven coverage terms that provide clarity, simplicity, and protection.
Our focus is on:
- Clear data requests and efficient quoting.
- Transparent claim processes and timely payments, with coverage structured to provide real value
- A seamless broker-driven experience.
Chatham Insurance Services is a division of DOXA Programs, LLC, an Indiana limited liability company (d/b/a DOXA Programs Insurance Services in the State of California, License #6012212).