Aaron Snider | Benefits for P&C Agencies

I run an employee benefits & life insurance agency.
We plug into P&C agencies as their benefits division.
No staff. No learning curve.
Your Client, We do Work

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

P&C agency owners:

If you don’t offer employee benefits & life insurance, you’re leaving money and loyalty on the table.

My agency becomes your benefits department.

No hiring. No licensing. No extra work.

You keep the client. We handle everything.

DM me “BENEFITS”

[Ryan Spalding @ryanspalding]

An insurance broker can impact your insurance premiums 7% to 12%.

A great niche insurance broker can impact your total cost of risk 20% or more.

One talks about your premiums, the other talks about your total cost of risk.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

@ChrisRamsey60 What app are you using to find these property owners. That old gas station likely sits like that because of the 150k to remove old gas tanks

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

If your benefits strategy hasn’t changed in 3+ years…

You’re overpaying.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

A carrier just announced 2 person group health and yes spouses count. So those husband and wife solo entrepreneurs welcome to group health options.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

We don’t try to be the biggest benefits agency.

We try to be the one that actually fights for the client.

That’s a different model.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

Not offering benefits doesn’t save money long term.

It just moves the cost somewhere else:
– turnover
– hiring struggles
– lower productivity

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

If your employees are all on marketplace plans…

You don’t have a benefits problem.

You have an opportunity.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

Most benefits conversations start too late.

You should be talking strategy
6 months before renewal… not 6 weeks.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

A benefits strategy should do 3 things:

– Control cost
– Improve retention
– Reduce owner stress
If it’s not doing all 3… it’s broken.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

The brokers winning right now are doing 2 things:

Challenging renewals
Expanding into voluntary

That’s it.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

Small businesses think:

“We’re too small for benefits.”

Reality:

You’re too small to ignore them.

[Momentum Insurance Partners @MomentumInsur]

Insurance brokers based in the Midwest, specializing in trucking. We help small to medium sized businesses lower premiums and get real service—no call centers. DM for a free second opinion on your renewal

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

P&C agents:

Every commercial client you have…
has an employee benefits problem.
You’re either solving it…

or someone else will.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

@TheNFTCPA Anyone needs a group health audit, dm me

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

Voluntary benefits are not “extra.”

For many employees…
they’re the only coverage they actually use.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

If your broker didn’t show you multiple options last renewal…

You didn’t get advice.
You got a quote.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

Business owners don’t hate benefits.

They hate unpredictable costs.

Fix that… and the conversation changes fast.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

You can’t control health insurance pricing.

But you can control:
– Plan design
– Funding strategy
– Employee options
That’s where the real game is.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

Group health without strategy = annual pain.

There’s always a smarter way to structure it.

Most brokers just don’t take the time.

[Aaron Snider | Benefits for P&C Agencies @INSagencyguy]

The fastest way to lose a good employee?

Offer nothing.

The second fastest?

Offer something that doesn’t actually help them.