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ɫapp Reinsurance Services

ɫapp Reinsurance Services

With ɫapp Reinsurance Services, you are covered!

Protecting Your Business with Stop-Loss Coverage for Self-Insured Plans   


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ɫapp Reinsurance Services (ERS) is a new Florida-authorized insurance company and a key part of the ɫapp group, trusted in employee benefits since 2012. ERS offers expert stop loss solutions for comprehensive employer and employee protection.

  • Since 2016, ɫapp has expanded to offer diverse benefit solutions like PPO, RBP, and ASO, serving over 20,000 members in 23 states, including the U.S. Virgin Islands and Puerto Rico.

  • ERS prides itself on being reinsured by Odyssey Re, an AM Best A+ rated carrier, ensuring its clients the highest level of financial security and reliability.

  • ERS plays a key role in offering flexible, robust employee benefit programs, ensuring peace of mind for businesses and employees.

Why ERS Stop-Loss Coverage?

ERS Stop-Loss Coverage

  • Comprehensive Protection: Tailored coverage to meet your company’s needs.

  • Industry Expertise: Over a Decade of experience in managing self-insured plans.

  • Flexible Options: Customize specific and aggregate thresholds for your business.

  • Superior Claims Support: Dedicated team to help manage and resolve claims efficiently.
ERS MTN

Customizable Stop Loss Options

Our Stop-Loss Plan Features

  • Adjustable specific and aggregate deductible limit
  • Multiple reimbursement options
  • Competitive premiums
  • Wide range of specific contract terms including 12/24, 12/18, 12/15, and 12/12

Quick Proposal Fulfillment
  • Custom AI Underwriting and Modeling tools to quickly evaluate risk
  • Partnerships with Luminare Health Benefits, Odyssey RE, and Prime Therapeutics – saving time pulling resources together.
  • Proposals in less than 72 hours

Prompt Claims Reimbursement
  • 95% of claims submitted for reimbursement are adjusted in within 10 business days

ERS Benefits for Luminare clients

Premier Benefits Administrator

  • Waive signed disclosure for in-force business

  • Offer No New Laser / 2-year rate guarantees on stop loss

  • 120-day lock (or greater on case-by-case basis); 120 day lock, 30 day buy decision, ; <90 day good through effective date

  • Waive run-in Limits

  • Dedicated underwriting team & underwriting manager

  • Dedicated claims team
Luminaire Health

Our Motto: “Winning by Doing What is Right!”

At ERS, we are committed to your success, not just today, but for the future. We understand that achieving long-term goals requires a partner who is dedicated to your journey every step of the way. That’s why we are here to ensure that you not only meet your objectives but exceed them, securing a prosperous future.

Our team of expert Underwriters utilize:

  • Robust models and market data: Over 100-million-member months analyzed to set baselines, trend, and pricing models, specifically for groups under 500, and over 500 employees.

  • 70% target MLR: Compliant with FLOIR’s minimum loss ratio formula.

  • Expert actuary reviews: provided by Axene Health Partners for each of our pricing models and baselines.

Talk to a representative, today!

Call: 1.844.550.1980 (Monday to Friday | 8:00 a.m. to 5:00 p.m. EST Time)

Email: sales@elan.insure