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Case Studies

The Benefits Of Alternative Funding Strategies

By Business Insurance, Case Studies
Just as it’s important to consider various forms of funding alternatives for employee benefits programs, there are just as many reasons to consider alternate funding options in the business insurance sphere. Alternate funding  presents numerous advantages tailored to modern business needs, particularly in industries subject to frequent fluctuations and uncertainties. Here’s an overview of the key benefits: Cost Efficiency Significant Savings: Businesses can see savings ranging from 20% to 50%, as highlighted in our Kapnick case study. Optimized Premiums: By analyzing claims history and risk profiles, business owners can secure more favorable premium rates. Enhanced Control and Flexibility Customized Coverage:…
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Rethinking Risk Management in Hospitality: A Comprehensive Guide to Work Comp

By Business Insurance, Case Studies
The hospitality industry is an environment where risk management isn't just a smart business practice, it's a lifeline. In an industry that's constantly on the move, serving customers, preparing food, and maintaining complex facilities, managing risk is pivotal to protect employees, customers, and the bottom line. One specific area where risk can be particularly acute is workers' compensation. High turnover, physically demanding jobs, and industry-specific tasks make workers’ comp a critical aspect of overall risk. (more…)
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HDHP vs. PPO – A Kapnick Case Study

By Case Studies, Employee Benefits
The following is a case study based on real Kapnick clients about an employee trying to choose between a HDHP or a PPO medical insurance plan. THE PROBLEM An employee whose main healthcare expense is prescription costs were given the choice by their employer between a High Deductible Health Plan (HDHP) and a Preferred Provider Organization (PPO). Despite the fact that their (more…)
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