Kilpatrick

Occupational Accident

Kilpatrick Companies pioneered the Non-Subscription market in Texas. The Occupational Accident division is led by Jackie Kilpatrick, who designed and launched the first Combined Single Limit (CSL) product for employers electing to insure occupational injuries through an alternative program instead of traditional Workers Compensation. As a pioneer, Jackie initially sold group voluntary accident products to handle worksite injuries. As the demand grew, she and a small group of friends authored a more robust accident program with higher limits and longer benefit periods. Beginning with the initial Fidelity Security program, ERISA documents were introduced providing extra layers of protection, legal indemnity was added, the state of Texas introduced an official opt-out process, and more carriers became involved. As the niche market expanded across the entire state, sophisticated products and options were introduced allowing any size employer with any degree of hazard to be a candidate.

Today, the company represents the majority of the state markets. Primary and excess plans with and without legal are available.

Carrier Accident Legal Notes
ACE American 5+ lives
BCS 1+ lives
Cigna 2+ lives
Essex Insurance Company 10+ lives
Fidelity Security 1+ lives
Great American 1+ lives
Hallmark 5+ lives
Independence American 5+ lives
National Union Fire 1+ lives
North American Capacity 5+ lives
One Beacon 2+ lives
Pan American 2+ lives
Service Lloyds 10+ lives
Southern Trace Underwriters / Companion Life 5+ lives – Truckers Program
USSIC 5+ lives