About Fisher Horizon Business Group

For business owners in Eastern Pennsylvania and New Jersey, the annual cycle of rising insurance premiums has become an expensive and frustrating reality. Year after year, many employers are told the same thing: this is just how it is.

Most insurance brokers respond by shopping the market for slightly cheaper versions of the same off-the-shelf plans — an approach that rarely delivers meaningful or lasting improvement.

At Fisher Horizon Business Group, we believe this model is fundamentally broken.

Our Approach: Design First. Coverage Second.

Insurance works best when it's designed with purpose.

Instead of shopping policies in isolation, we take a step back and evaluate your full risk and benefits picture — how your business operates, how your employees actually use coverage, and what's driving costs behind the scenes.

Our design-first approach allows us to create a coordinated insurance and benefits strategy that:

• ✓Reduces overlap and unnecessary coverage
• ✓Aligns insurance with how your business truly operates
• ✓Supports predictable costs and fewer surprises at renewal

Every recommendation we make is intentional. Nothing is one-size-fits-all.

Moving Beyond Traditional Brokerage

Traditional brokerage focuses on transactions. We focus on outcomes.

Through our Plan Design Audit, we move beyond the limitations of rate shopping by analyzing:

• ✓Employee demographics and benefit utilization
• ✓Business risks and operational exposures
• ✓Structural cost drivers impacting renewal increases
• ✓Opportunities within plan design and funding strategies

This process helps identify specific levers that can reduce premiums without compromising the benefits your employees value most.

Breaking the Cycle of Renewal Shock

Rising insurance costs are often treated as unavoidable. In reality, many increases are driven by plan structure, outdated assumptions, and missed design opportunities — not just carrier pricing.

Our goal is to help employers break free from the endless renewal cycle by providing:

• ✓Clear, before-and-after comparisons
• ✓Actionable insights tied to real numbers
• ✓Sustainable strategies instead of short-term fixes

The result is a better-designed insurance strategy that delivers long-term value, not just short-term relief.

Who We Serve

We work primarily with:

• ✓Small to mid-sized employers (25–250 employees)
• ✓Businesses across Pennsylvania and New Jersey
• ✓Owners and HR leaders who want clarity, not complexity
• ✓Organizations looking for proactive guidance, not reactive renewals