Focus on the Cause to Reduce Costs.
The conventional method of shopping for insurance quotes often overlooks the
underlying causes of risk, leading to escalating insurance premiums.
The Dont's
Shopping for insurance without identifying and addressing the root causes of losses can lead to persistent risk exposure and high insurance rates.
Shopping multiple markets annually directly impacts the way insurance companies perceive your business. Frequent market hopping creates distrust and potentially higher premiums.
Business owners who focus on shopping for insurance without proper expertise are forced to evaluate intricate insurance contracts themselves. These contracts vary significantly across coverage amounts, triggers for claims, deductibles, exclusions and critical language.
The Do's
A qualified insurance broker doesn’t just negotiate prices—they also help with risk identification, management, and financing strategies that lower exposure and premium costs. Business owners who fail to vet their broker miss out on critical advisory services that create long-term insurance cost stability.
Establishing a broker relationship strengthens communication with insurers and underwriters. Loyal clients who strategically align with brokers and insurance companies receive better treatment in grey areas like claims disputes. Without this alignment, businesses face greater challenges during negotiations and legal complications.
Protect in Ways Insurance Can't
No matter how much insurance you purchase, it can never fully protect your organization on its own.
Insurance can't prevent a serious injury to one of your employees, stop you from being sued, or cover punitive damages or fines from OSHA or the DOL.
Solution
The VAST Prevent First Approach
Vision
The challenge of businesses facing perpetually rising healthcare costs requires a vision that sees beyond immediate financial strain. Defining a long-term vision is crucial for sustainable health benefit management.Analyze
We spend most of our time working closely with you on risk management and prevention because this is where we can make the most significant impact. We delve deep into understanding the specific risks and challenges associated with your industry, enabling us to craft strategies that not only protect but also add value to your business.Strategy
We spend most of our time working closely with you on risk management and prevention because this is where we can make the most significant impact. We delve deep into understanding the specific risks and challenges associated with your industry, enabling us to craft strategies that not only protect but also add value to your business.Team
None of this works without a strong team pulling together. We'll build a dedicated group that’s committed to implementing and adapting your health benefits strategy to ensure alignment with your wider business objectives and a focus on compliance and efficiency.Get Peace of Mind, Work with One Agency
Having one agency handling all of your insurance needs allows you to gain both convenience and peace of mind in knowing your insurance is being managed effectively.
Request an Insurance Review
Winona Office
174 Center St.
Winona, MN 55987
(800) 657-4448
Woodbury Office
7616 Currell Blvd., Suite 290
Woodbury, MN 55125
(800) 657-4448
La Crescent Office
205 N. Chestnut St., Suite 101
La Crescent, MN 55974
(800) 657-4448
