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Unlike the traditional “fully insured” group insurance plan, in a self-insured plan, the company assumes the entire risk of the plan, using the premiums <\/span>to build up reserves from which claims are paid. The company owns the reserves and keeps surplus premiums. With a self-insured plan, the company avoids paying certain profit margins and risk premiums to insurers.<\/span><\/p>\n It’s a proactive approach that puts the employer at the heart of benefits management.<\/p>\n <\/p>\n <\/p>\n [\/et_pb_text][et_pb_text admin_label=”Title” _builder_version=”4.12.0″ text_font=”||||||||” text_text_color=”#343434″ text_font_size=”18px” header_font=”||||||||” header_2_font=”Montserrat|700||on|||||” header_2_text_color=”#0d4726″ header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”800px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”4%” header_2_font_size_tablet=”36px” header_2_font_size_phone=”28px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.12.0″ _module_preset=”default” min_height=”771px” custom_margin=”|auto|-243px|auto||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.12.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_code disabled_on=”off|off|on” _builder_version=”4.12.0″ _module_preset=”default” custom_margin=”||23px|||” custom_padding=”||28px|||” global_colors_info=”{}”]<\/p>\n\n
Self-insurance doesn’t mean you’re on your own. We’re there for you every step of the way, offering expert advice and ongoing support.<\/span><\/h3>\n<\/blockquote>\n
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The advantages of self-insurance<\/h2>\n
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Would you benefit from a self-insured plan? <\/h2>\n