Ask us about our Human Resources Program for proactive services to support you and your employees!

ENV Insurance Agency

(315) 641-5848

  • Home
  • About Us
    • About
    • Our Team
    • Testimonials
  • Employee Benefits
    • Consultation
    • Medical
    • Fully Insured Medical
    • Self-Funded Plans
    • Prescription Drug Savings
    • Stop Loss Insurance
    • Life Insurance
    • Dental/Vision
    • Compliance Assistance
    • Audits
    • Orientation Meetings
    • Informational Seminars
    • Disability Insurance
    • Voluntary Policies
    • HSA/HRA
    • Wellness
  • Current Clients
    • Support
  • Financial Services
    • Financial Services
    • Retirement Planning
    • Financial Planning
    • Life/Disability Insurance
    • Business Strategies
    • Financial Wellness
    • Client Links
  • Medicare
  • Call Center
  • Contact Us
    • Contact Us
    • Resources
  • More
    • Home
    • About Us
      • About
      • Our Team
      • Testimonials
    • Employee Benefits
      • Consultation
      • Medical
      • Fully Insured Medical
      • Self-Funded Plans
      • Prescription Drug Savings
      • Stop Loss Insurance
      • Life Insurance
      • Dental/Vision
      • Compliance Assistance
      • Audits
      • Orientation Meetings
      • Informational Seminars
      • Disability Insurance
      • Voluntary Policies
      • HSA/HRA
      • Wellness
    • Current Clients
      • Support
    • Financial Services
      • Financial Services
      • Retirement Planning
      • Financial Planning
      • Life/Disability Insurance
      • Business Strategies
      • Financial Wellness
      • Client Links
    • Medicare
    • Call Center
    • Contact Us
      • Contact Us
      • Resources
ENV Insurance Agency

(315) 641-5848

  • Home
  • About Us
  • Employee Benefits
  • Current Clients
  • Financial Services
  • Medicare
  • Call Center
  • Contact Us
Stop Loss Insurance

Stop Loss Insurance

Stop loss coverage protects you against large claims by limiting your financial liability for paid claims. 

Find out more

 Two types of stop-loss coverage are available:


  • Specific deductible stop-loss coverage – Sets a ceiling on your financial liability for claims costs per each covered member. You can choose from a wide range of deductible amounts in determining your company’s specific stop-loss level (e.g., $35,000 to $300,000). The stop loss carriers liability is limited to the individual lifetime maximum level (e.g., $1,000,000) shown in the stop-loss policy. Specific stop-loss coverage begins paying when claims paid for a member during a contract period exceed the contract period specific stop-loss deductible amount you have chosen.


  • Aggregate stop-loss coverage – Limits your financial liability for the total amount of claims expense for your group as a whole. The stop loss carrier will estimate your anticipated claims for the year and add your chosen aggregate percentage to that estimate to calculate a stop-loss amount (e.g., 125 percent).


ENV Insurance Agency has access to A-rated national stop-loss insurance providers.

Contact us for more information.

Copyright © 2022 ENV Insurance Agency - All Rights Reserved.

  • HR Helpline
  • Community
  • Blueprint Scorecard

Integrity, Leadership, Excellence

HSA/HDHP Limits increase for 2023

Employers that sponsor HDHPs should review their plan’s cost-sharing limits (minimum deductibles and maximum out-of-pocket expense limit) when preparing for the 2023 plan year. Also, employers that allow employees to make pre-tax HSA contributions should update their plan communications for the increased contribution limits.

Learn More

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept