The Unemployment Contractual Liability (UCL) policy provides coverage for employers that choose to transfer the cost of their unemployment benefits to us, subject to meeting the terms and conditions of the policy.

The UCL policy is a proprietary and admitted form with customized solutions that can meet the needs and risk tolerance of each policyholder.

  • First Dollar Insurance: Coverage attaches immediately at the first dollar of unemployment benefit charges. This option provides peace of mind and the greatest degree of budgetary certainty.
  • Stop-Loss Insurance: Coverage attaches in excess of an agreed-upon self-insured retention, meaning the policyholder will reimburse the state for benefits until the self-insured retention limit is met.

The following is an alternative option to UCL insurance policy:

  • 501(c) Agencies Trust: This program is exclusively offered to 501(c)(3) nonprofits. This grantor trust group of self-insured organizations offers reasonable reserve requirements, transparent accounting, superior customer service and a non-customizable stop-loss protection program. Visit 501(c) Agencies Trust for more information.

All these programs include a suite of services designed to mitigate risk and minimize unemployment expenses:

  • Professional unemployment claims management
  • Unemployment hearing representation
  • Unemployment cost management education and training
  • State reimbursement
  • Transparent billing and accounting