Manufacturing facility

Stop Shopping Insurance Rates. Start Designing a Better Plan.

Our unique Plan Design approach has saved businesses millions in unnecessary premiums while improving coverage quality.

Get real case studies if there is any room for improvement

General Liability | Commercial Auto | Workers Comp | Captive | Medical Insurance | Self Funded Medical Employee Benefits

Serving Bucks, Chester, Montgomery & Burlington Counties

Proven cost reductions
without benefit cuts

Clear before-and-after plan
comparisons

Trusted By Leading Carriers

MetLife
UnitedHealthcare
VSP Vision Care
Cigna
Aetna
Delta Dental
Davis Vision
John Hancock
Principal
Guardian
GoodRx

For business owners in Bucks, Chester, Montgomery, Delaware, and Philadelphia Counties in Pennsylvania, as well as Burlington, Camden, Gloucester, and Mercer Counties in New Jersey, the annual ritual of double-digit insurance renewal increases has become a painful and expensive reality. Most brokers respond by shopping the market for slightly less expensive, but equally ineffective, off-the-shelf plans. At Fisher Horizon Business Group, we believe this approach is fundamentally broken. We don't just shop for rates; we design a customized benefits and insurance mix that is built around your employees and your business, delivering significant cost savings while improving the quality of your coverage.

Our Plan Design Audit allows us to move beyond the limitations of traditional insurance brokerage.

By analyzing your unique employee demographics and business risks, we identify the specific levers that can drive down premiums without compromising on the benefits your team values most. This strategic approach empowers you to break free from the endless cycle of renewal shock and unlock sustainable, long-term value. We provide you with a clear, provable before-and-after outcome, demonstrating the tangible financial benefits of a well-designed insurance strategy.

Most brokers lead with products.

Most insurance brokers respond to rising premiums by shopping the market for slightly cheaper versions of the same plans. They present policies in isolation without considering how everything fits together. That approach keeps you trapped in an endless cycle of renewal shock.

THE PROBLEM

The "Renewal Hike Trap"

Most brokers deliver another 15-20% increase. Same carriers, same "off-the-shelf" plans. Choose higher costs or cut benefits.

  • Reactive renewals
    Scrambling 30 days before expiration
  • Wasted premium
    Paying for one-size-fits-all coverage
  • No strategic analysis
    Missing opportunities to reduce costs through plan design
OUR SOLUTION

Plan Design Audit

We analyze employee demographics to build a tailored benefits mix. Optimize design, lower costs, improve care quality.

  • Tailored analysis
    Specific employee demographics & risks
  • Optimized structures
    Funding & plan design for efficiency
  • Clear comparisons
    Before-and-after analysis with real savings

Our Approach: Design First. Coverage Second.

At Fisher Horizon Business Group, we customize a mix of benefits and insurance around your employees, your risks, and your business operation — uncovering smarter ways to control costs while improving coverage.

These satisfied clients started with a simple,
no-obligation Plan Design Audit...

"On our Blue Cross Plan, Chris provided identical Blue Cross coverage and we saved $130,000 annually."

— J&S Electrical

"My previous agent gave me a 0% increase but Chris came back with 100% coverage at a savings of 35% below current."

— AT Construction

"Chris' knowledge of rolling out health benefits for over 10 years to our employees got us 100% Blue Cross coverage at 40% lower rates."

— Particle Size Technology

Frequently Asked Questions

Ready to Design a Better Plan?

Request a free Plan Design Audit and discover smarter benefit options before your next renewal.

Request Your Free Plan Design Audit