Employee Benefits
Recruiting and retaining the best and brightest is critical to your long-term success. All too often, the difference between a “loyal career” and “just another job” comes down to employee benefits. But unfortunately, after payroll, employee benefits are the largest budget item for most businesses.
INSURICA’s Employee Benefits Experts
At INSURICA, our Employee Benefits Experts can help you develop and implement a benefits program designed to motivate your employees while minimizing your cost. We do this through a proven 4-step process.
RM4U: Our Process
- Risk Assessment – Identifying and examining our client’s exposures through the Risk Assessment.
- Risk Report – Assessing the potential impact of those exposures and using the results to identify areas of risk reduction.
- Performance Plan – Utilizing the results of the analytics to form a strategic risk reduction plan, as well as a service calendar for plan implementation.
- Stewardship Meeting – Providing accountability through stewardship and continual risk management assessment, advice and analysis.
Put The Power of an Entire Network Behind Your Employees
INSURICA clients have access to major carriers, comprehensive services, sophisticated tools and customized solutions.
Employee Benefits Coverages and Services
Resources
Claims
Claims
We define claims management a little differently. We view our role as “a partner in your company’s profitability.”
Loss Control
Loss Control
Loss control has become one of the most important elements of your business’s insuranceprogram.
Alternative Risk
Alternative Risk
Self-insurance, large deductible plans, captive insurance…Our programs are tailored to fit your specific needs.
Find Out More About Our Services and Capabilities
We are here to answer any questions you may have and look forward to hearing from you.
Latest News
Today’s insurance programs must take into account the unique challenges faced by each client. In addition to a strong coverage program, some businesses may need advanced services. INSURICA has the additional Client Services required by complex business operations.
Trump Administration Reshapes Health Plan Oversight
The Trump administration has issued a series of executive orders aimed at recalibrating federal oversight of employer-sponsored health plans. These directives target unpublished rules and agency enforcement priorities, signaling a shift toward deregulation and increased flexibility for plan sponsors.
Compliance Update: Gag Clause Attestations, Contraceptive Coverage Ruling, and SF Ordinance Impacts
As Q4 begins, benefits managers face a trio of compliance developments with implications for plan design, documentation, and year-end filings. Two are federal in scope, while one local ordinance continues to affect employers nationwide.
Benefits Administration Update: MLR Rebates, Texas SB 1332, and Year-End Priorities
As the final quarter of 2025 begins, several developments in benefits administration are reshaping how employers manage compliance, coverage, and communications. From rebate distribution rules to state-level legislation, benefits managers should take note of key updates that may affect plan operations and documentation heading into year-end.