You're not just insured, you're informed.
Imagine a world where insurance isn't a passive annual obligation but an active, ongoing conversation. A world where you aren't just reacting to the market at renewal time, but confidently making informed decisions all year around.
We redefine what it means to be an independent insurance broker.
While we excel in securing robust insurance coverage, our primary focus remains on proactive risk management and prevention.
Minimizing cost by maximizing prevention.
Our philosophy is centered on the idea that the best claim is one that never happens. By dedicating our efforts towards rigorous risk management, we not only protect your assets but also significantly impact your insurance premiums over time. Effective risk management strategies reduce the frequency and severity of claims, leading to lower costs and more favorable insurance terms from carriers.
Tailored risk management drives insurance efficiency.
Our team spends most of our time working closely with clients 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.
Embrace the Opportunity.
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
This step involves detailed exploration into the current health management practices, identifying not only the inefficiencies but the potential areas where interventions could be most effective.Strategy
Development of a robust strategy that addresses both immediate needs and future goals. Think risk mitigation, proactive health management, and optimized healthcare utilization that can translate into cost savings and enhanced employee productivity.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.The Challenge
Every year, businesses brace for the inevitable: higher healthcare costs.
Cost Management
Passive acceptance of rising costs leads to financial strain.Employee Health
Overlooking the root causes of health issues escalates costs and affects workplace productivity.Healthcare Utilization
Inneficient healthcare utilization contributes to rising costs.Data Use
Underutilization of health and cost data in decision-making.Long-term Strategy
Short-term focus on cost-cutting misses the broader implications for workforce health.Regulatory Compliance
Failing to meet regulations can result in significant fines, adding financial burdens on top of rising healthcare costs.
The Opportunity
Shift our perspective from short-term cost management to long-term health education & improvement.
Cost Management
Proactive cost control by addressing health issues reduces long-term expenses.Employee Health
Investing in preventative health initiatives boosts overall employe well-being and productivity.Healthcare Utilization
Educating employees on proper healthcare utilization can lead to more effetive use of resources.Data Use
Leveraging data analytics to inform benefit decisions and improve health outcomes.Long-term Strategy
Long-term investment in health can lead to sustained employee performance and lower health-related costs.Retulatory Compliance
Strategic benefits planning can also ensure compliance while optimizing benefit offerings.Focus Areas
Benefits Plan Design
benefits plan design focuses on the balance of wide-ranging coverage and cost efficiency, tailored to meet our employees’ needs while ensuring financial sustainability
Benefits Utilization
Your claims data is analyzed to uncover usage patterns, ensuring that your benefits offerings are both cost-effective and aligned with the changing needs of your workforce.
Benefits & HR Coordination
There are
Benefits Education & Advocacy
By bolstering health literacy and promoting cost-effective choices, you are empowering your employees to become knowledgeable healthcare consumers, optimizing both their well-being and your bottom line.
Benefits Administration
Thererks best for your company.
Compliance
Your benefits programs needs to be fully coordinated with compliance requirements. This includes but is not limited to; ACA compliance, Form 5500 reporting, COBRA, HIPAA and FMLA requirements. This process is crucial to protecting your organization from legal risks and coverage gaps.
Employee Handbook
An employee handbook is a critical first line of defense against disgruntled employees, helping to reduce legal risks and foster a positive workplace culture. Your policies need to be up-to-date, compliant and clearly communicated.
Employee Interviews
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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
