Ongoing Contact We meet with clients regularly to ensure carriers, coverage and costs are meeting expectations. For each client, we create specific criteria for insurance program design, along with procedures for successful program implementation and monitoring.

Education We conduct employee meetings and provide custom communication materials for your employees. We also ensure our staff remains up-to-date on the latest industry trends and information.

Experienced Staff We hire and maintain a professional, seasoned staff that holds major insurance accreditations (CPCU, CIC, CRM, CLU, etc.). We utilize the experience of our marketing, claims and production staffs to design the desired coverage, determine the markets best matched to your needs, and prepare a detailed submission for market placement. Our underwriting staff then examines the various
quotes to determine the most comprehensive insurance coverage and value.

Information We possess the information and experience to negotiate comprehensive, competitive benefits programs; we know where to find the answers to any of your insurance, employee benefits, and human resources questions. We do more than establish effective, competitive programs—we also keep you informed of significant changes and trends in the insurance industry that could have an impact on your organization.

Cost Effective Solutions Our benefits section regularly investigates new concepts to save your claim dollars and enhance benefit packages. We also monitor new developments, regulations and legislation that could affect you from an insurance perspective. This ongoing activity includes:

• Attending continuing education classes to help us stay at the forefront of cost containment issues and plan designs.
• Regularly providing our clients with new ideas and information to help protect their financial and physical health.
• Implementing our Consolidated Billing System, which saves employers time and money. We send a single invoice, so you only have to write one check for all the voluntary benefits.