Expert insights on business insurance and employee benefits for PA & NJ businesses
Most employers focus on premium rates, but the real cost drivers in workers compensation often hide in classification codes, experience modifiers, and claims management. Learn how to identify and address these hidden expenses.
The decision between self-funded and fully-insured health plans isn't just about company size. Discover the key factors that determine which funding strategy delivers better cost control and transparency for your organization.
A Plan Design Audit goes beyond rate shopping to examine how your insurance and benefits are structured. Here's a step-by-step look at what we review and how it uncovers opportunities most brokers miss.
Waiting until 30 days before renewal leaves you with limited options. This timeline shows when to start planning, what to review, and how to avoid last-minute rate hikes through strategic plan design.
Misclassified vehicles can cost thousands in unnecessary premiums. Learn how proper vehicle classification, driver exposure analysis, and fleet structure optimization reduce commercial auto costs.
Captive insurance isn't just for Fortune 500 companies. Mid-sized businesses can benefit from captive structures when traditional insurance markets become too expensive or restrictive. Here's what you need to know.
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"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
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