The Partners difference can be summarized by one simple premise. We tailor our strategy, and ultimately our actions, with regard to the management of your employee benefit programs to be consistent with your long and short term objectives. We do not just sell a product. We offer a true consultative approach that embraces the spirit of partnership with our clients.
We are here for your consulting needs!
- Plan Design
- Cost Containment
- Benefit Administration
- Wellness Programs
- Legal Compliance
- Human Resources
- Property & Casualty
- Funding Methods
- Payroll/Human Resource Software (Online Enrollment)
Plan Design
Our team interactively works with you to determine your benefit plan design needs. We help you to choose the plan features you want and/or need based upon the plan design process, which includes listening to your goals, analyzing your needs and resources, and determining your legal requirements and funding methods.
Cost Containment
Outside of payroll, the largest cost to most employers is medical insurance, and the cost keeps rising. This is due to several factors such as double-digit inflation, aging, changes in the workforce, and the new healthcare reform laws. Employers must determine how to manage their increasing costs. Many of them are forced to decrease benefits, or increase the portion of premium that their employees must pay.
At Partners Insurance, we offer several services to help combat this trend of rising cost and decreasing benefit. By marketing your renewal each year, we are able to determine if your premiums are reasonable. By managing your claims on a day-to-day basis, we are able to ensure that there are no overpayments, as well as being able to pinpoint specific conditions that may cause large claims at some point.
Benefit Administration
We manage your employee benefits for you! This helps to lighten the load on your human resources department. We spend a lot of time making sure your benefit plans are running smoothly by overseeing the insurance coverage for your qualified employees. We work directly with your human resources department to meet the day to day service needs of your employees.
Wellness Programs
Wellness programs promote health and wellbeing through preventing chronic illness and disease. Over 70% of all healthcare expenses go to treat chronic, preventable diseases. Our goal is to assess your employees general health risks (smoking, heart disease, diabetes, etc.) and recommend the best course of action for a wellness program. We can create a wellness program specifically designed for your company.
Legal Compliance
The federal government has passed legislation that fundamentally changes how benefits are provided and to whom they are provided. We maintain relationships with several local law firms whose primary responsibility is to keep their clients informed of the most up to date federal and state regulations.
Human Resources
Our human resources consulting department specializes in a variety of services that are intended to improve your company's productivity and efficiency, and to promote positive communication and employee morale while reducing employment related risks. Some of the services we are able to offer are HR outsourcing, HR audits, Affirmative Action plans, leadership and management training, employee training, job analysis/evaluation, performance management, compensation analysis and design, employee handbooks and policies, and strategic planning.
Property and Casualty
Property and casualty insurance is insurance on homes, automobiles, and property, like homes or businesses. Property insurance protects a party from the loss of a piece of property. Casualty insurance protects a party against legal liability for losses caused by injury to others or their property. Our team analyzes your property and casualty insurance needs and helps you choose the products that best fit those needs.
Funding Methods
Our team of consultants can guide you through a thorough financial analysis and help you understand which funding method would be best for your organization. We help you on deciding on fully insured or partially or fully self funded. We evaluate your need for excess loss coverage. Working hand in hand with our independent underwriter, we analyze claims experience and project and formulate budgets based upon this.
Payroll/Human Resource Software
We can evaluate your payroll administration and HR tools to determine the best, most affordable solution for you. We offer hassle-free catering to all of your specialized business needs!
For more information about our Consulting Services, please contact us!