Employee Benefits Consulting & Brokerage for Schools and Municipalities
We specialize in employee benefits for school districts and municipalities. Our public sector specialization enables us to provide the very best in targeted representation through experience, technical expertise, state-wide community engagement, and unparalleled market strength. We provide employee benefits brokerage, consulting, optimization, and renewal management. Additionally, we negotiate rates, resolve claims and billing issues, educate, and assist employees, provide regulatory and compliance guidance, and provide access to enrollment and decision support technology solutions.
The value we bring to our clients rests to a large degree on the strength of our relationships with insurance carriers, and our ability to provide our clients with cost effective, quality employee benefits programs backed by responsive and accurate customer service.
Brown & Brown is the only New Jersey broker/consultant with complete access to all public entity shared service products.
- Benefits brokerage, consulting, optimization, and renewal management – Our firm’s collective experience dates back to 1972 which gives our clients peace of mind when it comes to securing a benefits plan that best suits the needs of their employees and business or organization. With five offices throughout New Jersey – Roseland, Lambertville, Shrewsbury, Mount Laurel, and Egg Harbor Township – we are positioned to offer clients a local presence and understanding, while leveraging our global standing in the employee benefits marketplace. As market conditions change, we continually evaluate what products are available to our clients and identify the best solutions based on the specific needs of each client.
- Utilization/claims review and analysis – Our account management teams examine monthly, quarterly, and/or annual claims experiences depending on business or organization group size and insurance carrier reporting guidelines.
- Financial review and identification of cost saving strategies – We conduct a complete review of an existing employee benefit plan including benefit levels, claims experience, funding arrangements, and contractual obligations to identify group specific trends and help determine a realistic budget estimate.
- Develop a long-term employee benefits and cost containment strategy based on utilization – We explore cost containment measures that will positively impact a business’s future claims experience and develop a long-term employee benefit plan strategy.
- Evaluation of available insurance products, both current and new, to provide the best solutions available – As market conditions are constantly changing, our firm consistently evaluates what insurance products are available, and identifies new options to provide our clients with the best solutions available.
- Competitive quoting – We compare and contrast submitted proposals with current programs while placing particular emphasis on benefits and financials, as well as, network access and benefits administration.
- Underwriting and rate negotiation with current and alternative carriers – We thoroughly analyze the claims experience and underwriting formula and negotiate, in most cases, directly with the underwriting management of the insurance carriers to provide our clients with the best possible rates.
- Provide customized benefits comparison for open enrollment – We provide onsite employee education and enrollment meetings. If a new insurance carrier is being implemented, we create and distribute a customized open enrollment brochure and benefits comparison at open enrollment, distribute detailed instructions on how to enroll, and who to contact from our firm with any questions or problems.
- Data Analytics