Solutions

Your priority should be managing your business. Our focus is simplifying the complexities of employee benefits for you. A partnership with Inclusive Insurance Solutions LLC means you can easily achieve your benefit objectives without negatively impacting the growth and success of your business.

Focusing on a full spectrum of consulting services, our expertise includes benefit and renewal planning, carrier rate negotiations, compliance assistance, employee communication and cutting edge benefit administration technology, all designed to maximize the competitiveness and value of your employee benefit package.

Today, there are a multitude of different funding strategies available to groups of virtually all sizes. With our knowledge and expertise, we can work with you to discover if an alternative funding model can benefit the unique demographics and utilization of your workforce. Properly fitted, one of these alternative funding solutions could help you generate substantial cost savings and greater transparency without sacrificing the level of benefits you offer your employees.

The rapid expansion of human resource and benefit administration technology solutions is enabling employers to significantly increase operating efficiencies in areas that are often described as the “backbone” of their business. But there are a multitude of vendors claiming solutions that include payroll, onboarding to retirement, schedule management, benefit administration and other human resource related features. Choosing the right solution is the key to obtaining the maximum satisfaction and performance from an HRIS system, as it can lead to better talent recruitment and retention, more accurate processing of all HR and benefits related functions and increased flexibility for employees with self-service tools.

Ancillary benefit programs, when designed properly, provide employees with the ability to fill any needed gaps in coverage at rates lower than what they would be able to obtain on their own. Additionally, by offering products and services like critical illness insurance, hospital indemnity insurance, life and disability insurance, long term care insurance, dental and vision insurance, pre-paid legal and stand alone wellness, businesses can increase employee morale, productivity and work efficiency all increase…enhancing the firm’s growth and competitiveness.

The complexity of regulations that impact employers as a result of the Affordable Care Act, IRS and other employee related legislation can be a tremendous burden carrying stiff penalties, fees and interest for non-compliance. On top of that, rules and regulations are constantly changing from year to year, requiring an on-going, regular review of practices. Our team of experts can help you develop an effective strategy for maintaining compliance in a way that allows you to progress toward your business goals.

Large group employers require consultants to think “outside the box” when designing an employee benefit package. The same package that works for one company will not be the correct fit for another firm. Tailoring a benefit strategy to fit each unique client is our specialty. Utilizing innovative and cost-efficient benefit solutions, combined with the proper funding method, benefit administration technology, compliance resources and carrier relationships, we can design a comprehensive program designed specifically around your needs and those of your employees.

Every year, businesses are faced with a renewal deadline for their group benefit programs, allowing them an opportunity to perform a thorough review of each plan and making revisions, when necessary. Strategic planning for the renewal process is critical, as it can assure that the benefits offered by the company are the proper fit for the needs and circumstances of both the employer and employee.

We begin preparation for each renewal year several months in advance, formulating a strategy with you based on a review of the latest market products, innovations and trends, along with your firm’s objectives. From this plan we negotiate with several leading carriers to obtain the benefit package that best suits your vision and your employee’s needs, at pricing that works for you.

Tailored to your company's specifications, our process involves our 5 step process:

(1) Getting to know your business goals, operational needs and challenges, and financial constraints 
(2) Identifying leading Professional Employer Organization (PEO) firms in your locality with services, employee benefits, and health insurance that align with your requirements.
(3) Obtaining quotes from PEOs capable of accommodating your business type Employee Benefits needs and Worker's Compensation risk.
(4) Notifying participating PEOs that your business is undergoing a competitive bidding process.
(5) Our assistance extends to crafting your Request For Proposals (RFP) through a straightforward 5-step method, ensuring it encapsulates the vital services and benefits crucial to your company. 

We meticulously match your criteria with offerings from the extensive pool of participating PEOs at Inclusive Insurance. Only those PEOs aligning with your needs are invited to submit proposals. Your contact information is disclosed to PEOs only upon your explicit approval. Once proposals are available on our website, our team of industry experts guides you in evaluating them and offers counsel on your available options.

Selecting a PEO through Inclusive Insurance:

Advantages:

Competitive Pricing: A rigorous bidding process guarantees the most favorable price.
Time Efficiency: PEOs familiar with your expectations eliminate the need for time-consuming sales calls from unsuitable organizations.
Nationwide Reach: Inclusive Insurance has comprehensively profiled PEOs nationwide, all eager to cater to your business.
Referrals: We provide randomly selected references for you to assess PEO satisfaction levels.

We take all the metrics and summarize all the variables in one easy to follow spreadsheet and budget projection.