Delivering Innovative Solutions for your Employee Benefits Plan

Brown & Brown’s insurance brokers manage the employee benefits programs for our customers. We focus on our customers’ needs and delivering solutions such as identifying and implementing cost savings strategies, negotiating the best renewals with carriers, customizing creative plan design options, resolving issues, educating employees, and providing regulatory guidance including health care reform compliance.

Our philosophy is deeply rooted in customization. The experience and expertise we have developed over the years has given us a unique ability to construct benefit solutions tailored to meet the distinctive needs of each business we work with. We know and understand the products we represent, the customer’s need for complete, accurate, and timely service. Our goal is 100% satisfaction. Quite simply, that is what makes our customer relationships so successful.

Our parent company, Brown & Brown, Inc. (NYSE: BRO), is ranked by Business Insurance magazine as the fifth largest independent insurance brokerage firm in the United States. With over 10,000 employees and over 300 offices globally, Brown & Brown and its subsidiaries offer a broad range of insurance and reinsurance products and services to business, public entity, individual, trade and professional association clients nationwide.

smiling employees lined up

 
 

Working with a local agency and having the backing and resources that come along with a national organization – that gives our clients the best of both worlds

 
 

Local People. Powerful Solutions.

Brown & Brown’s Employee Benefits brings national strength with local, personalized service. With a team that is as connected nationally as it is locally, we provide the personalized service of a local agency and the peace-of-mind protection that is expected from the fifth largest broker in the United States.

Brown & Brown’s decentralized structure is the key to our continued success. It is our decentralization that allows for decisions to be made at the local level, eliminating the rigid rules, and bureaucratic interference that can slow local progress and stifle innovation. More importantly, our decentralized model allows each market to focus on our specific client’s needs and focus entirely on our specific area of expertise. It is this blend of working with a local agency and having the backing and resources that come along with a national organization that gives our clients the best of both worlds.

Strategic Planning

We recommend that our clients make employee benefits management a strategic initiative. By defining objectives and developing an action plan based on meeting those objectives, we ensure an organized, comprehensive approach to fulfilling your benefits needs. Our careful strategic planning services include ongoing evaluation of all your plan’s characteristics, such as access, service, and price, to ensure a proper balance is achieved. Strategic planning also shields your plan from becoming obsolete as new trends and market factors emerge and can help with budgeting and long-term cost management.

Five-Star Service

We pride ourselves on the level of knowledge and service we provide to our clients.

  1. Contact: We meet with clients regularly to ensure carriers, coverage and costs are meeting expectations.
  2. Education: We conduct employee meetings and provide custom communication materials for employees.
  3. Advocacy: We work on your behalf to bring an unbiased perspective to all situations, with no allegiance to any specific carrier or vendor.
  4. Personnel: We hire and maintain a professional, experienced staff and ensure that they are up to date on all the latest trends and information.
  5. Information: We possess the information and expertise that allow us to negotiate comprehensive, competitive benefits programs and we know where to find answers to your insurance, employee benefits and human resources questions.

Working regionally with medium and large employers, Brown & Brown has a proven track record of performance. We have an excellent relationship with all carriers and recognize the value this brings when serving our customers, and we strive to maintain them. Whether it is at the top management level, or working with a service representative, we make every effort to get the job done well, and in such a way that we strengthen our relationships, not undermine them. These carrier relationships allow us to successfully resolve many of the issues that may arise, including those involving eligibility, claims, and enrollment. We are well-respected in the employee benefits insurance community and are known for our fair and knowledgeable approach in our diligent negotiation process. We proudly serve on the Broker Advisory boards of all major carrier partners.

“The price is the price” is a statement we often hear from prospective customers based on their experience with less qualified brokers. We know that that is not the case. The fact is customers pay less for their insurance when our agency is acting as their broker. We like to compare our business model to that of the general practitioner versus the specialist. When you are dealing with a complicated medical issue, do you seek the advice of your primary doctor, or do you go to the specialist who knows your condition inside and out? When important decisions need to be made, isn’t it best to go to the specialist?

employees working around a desk, with laptop computers

busy workers seated around a table on laptops and their cellphones

Stronger solutions start with experience.

In an environment that is continually changing, sometimes confusing, and inarguably complex, the development of an effective and efficient benefits strategy is an art practiced by a few, rare organizations. Brown & Brown is one of those companies. We operate on a simple, yet profound principle that every client is unique, and there is no “one size fits all” solution.
We work tirelessly to explore solutions and deliver results, but the last thing we want to do is sell you insurance. There is so much more to our approach that enables us to partner with our clients and deliver long-term results.

Our goal is to develop a program that works for you.

Brown & Brown combines years of experience with leading-edge products to provide exceptional service and value to our customers. We provide a full range of brokerage services. Our firm has built a solid reputation of delivering exceptional and responsive service.
Our goal is to achieve a long-term relationship focused on bringing value and positively impacting your employee benefits program. We are committed to utilizing the collective talent of our team to effectively manage your employee benefits.

Services

  • Benefits Consulting – Benefits Optimization Renewal Management Long Term Strategy
  • Utilization Review – Analyze Claims, Identify Cost Saving Strategies
  • Client Services -Billing, Eligibility, Issue Resolution, and solutions for FSA, HRA, COBRA administration
  • Employee Services – Guidance, Claims & Benefits Assistance
  • Regulatory & Compliance -PPACA, ERISA, COBRA, HIPAA, FMLA, Employer Notices, State Mandates
  • Benchmarking against similar industries and organizations
  • Benefits Technology – Integrated Enrollment, HRIS, Employer Reporting, & ACA Compliance Tools

Service Offerings

  • Medical
  • Pharmacy
  • Vision
  • Dental
  • Voluntary Benefits
  • Health Savings Accounts
  • Population Health & Well-being/Behavior Health
  • Life
  • Disability
  • Flex Administration
  • Telehealth
  • Benefit Administrative Systems
  • Absence & Leave Management
  • Data Analytics
  • Compliance
  • International

Industries served include, but are not limited to: Financial Services, Healthcare, Information Technology, Logistics, Manufacturing, Real Estate, Transportation