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The Orien Risk team performs all aspects of Medical Stop Loss administration on behalf of Fair American Insurance and Reinsurance (FAIRCO).  As part of FAIRCO, Orien handles the entire process, from submission intake to policy issuance and servicing. No services are subcontracted and all functions are performed out of our Long Island, New York office. We are staffed by EXPERIENCED individuals at every level and our focus is always on providing the highest level of QUALITY and SERVICE to our clients. The Orien team believes that communication is the key to our success and staff members are available to speak with you when you need assistance. A complete Administration Manual, detailing Orien’s and FAIRCO’s operating procedures is available to our partners.

Policy Issuance

All policies are issued on Fair American Insurance and Reinsurance Company (FAIRCO) paper. FAIRCO is licensed in 50 states and the District of Columbia. FAIRCO is a subsidiary of Transatlantic Reinsurance Company (TransRe) which is A+ (Superior) rated by A.M. Best with a Group XV Financial Size Category ($2 Billion or Greater).

Approved applications are issued within 3 business days of the Orien underwriter’s sign-off.

FAIRCO’s Medical Stop Loss product is currently approved in 49 states and the District of Columbia.  Washington State approval remains pending.


Premium can be remitted electronically or by check.


Commissions normally can be included in the stop loss rates and payable either on a gross or net basis but only may be available net in certain jurisdictions.