Our Offerings
Innovative healthcare risk management solutions
We serve as an alternative to the commercial insurance market — owned by the very organizations we serve, with surplus returned to members. Choose the program that fits your organization.
Member-owned
We are owned by the organizations we serve
Surplus returned
Positive performance benefits members, not shareholders
Full transparency
You see exactly how your program is structured and priced
PHSLP
Medical Stop Loss
The Palmetto Healthcare Stop Loss Program (PHSLP) is a retrospective funding model where you pay actual claims costs — eliminating the profit, surplus, and margins built into commercial stop-loss premiums. Transparent pricing, pooled risk, and a track record of delivering real savings to self-insured employers.
Geography: Multi-state (currently ~3 states, expanding) ·Audience: Self-insured employers with 100+ employees; HR directors, CFOs, and brokers
Learn More →- Retrospective funding — pay actual costs, not inflated premiums
- Transparent operations: you see exactly where your money goes
- Risk spread across a pool of participating organizations
- Open to self-insured employers in any industry across most states
- Member-driven: surplus returns to members, not shareholders
PHLIP
Professional & General Liability
The Palmetto Healthcare Liability Insurance Program (PHLIP) is a group captive founded in 2001 for South Carolina not-for-profit healthcare organizations. Members benefit from shared risk, early claims resolution, and dramatically lower long-term liability costs compared to the commercial market.
Geography: South Carolina ·Audience: Not-for-profit healthcare systems and organizations in South Carolina
Learn More →- Group self-insurance: lowest-cost alternative over time
- Early resolution of claims with possible liability
- Covers professional malpractice and general liability
- For not-for-profit healthcare organizations in South Carolina
- Financial stewardship through collective risk management
PHT
Workers' Compensation
Palmetto Hospital Trust (PHT), founded in 1977, is South Carolina's established self-insurance pool for healthcare workers' compensation. Electronic claims reporting, streamlined internal processes, and service that sets the standard in the state.
Geography: South Carolina ·Audience: South Carolina healthcare employers and HR teams
Learn More →- Self-insurance pool founded in 1977 — proven track record
- Electronic claims reporting for efficient operations
- Streamlined internal processes vs. traditional TPA
- For South Carolina healthcare employers
- Service recognized as unparalleled in the state
Consulting
With more than 30 years in healthcare claims and risk management, our consulting services help organizations identify, assess, and reduce risk. From OSHA compliance training to risk audits and policy review, we deliver actionable toolkits — not just reports.
Geography: South Carolina and Southeast ·Audience: Healthcare risk managers, compliance officers, and administration
Learn More →- Risk audits with scorecards and benchmarking
- Policy review and best-practice toolkits
- OSHA compliance training programs
- Deliverables: Executive Summary, sample policies, competencies
- 30+ years of healthcare-specific expertise
Physician Practice Risk Assessments
Our Physician Practice Risk Assessments (PPRA) deliver a structured evaluation of risk across your physician practices — with an Executive Summary, numeric scores, benchmarking, and a practical toolkit of solutions. Also available as pre-acquisition risk assessments.
Geography: South Carolina and Southeast ·Audience: Healthcare systems with employed physician practices; M&A teams
Learn More →- Structured assessment with numeric scores and benchmarking
- Executive Summary with actionable recommendations
- Physician Practice Toolkit: policies, competencies, best practices
- Pre-acquisition risk assessment option
- Solutions included — not just a list of deficiencies
Not sure where to start?
Schedule a call with our team. We'll help you identify the right program for your organization's size, state, and risk profile.