Insurance Planning Blog
Expert insights on business insurance and employee benefits for PA & NJ businesses
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These satisfied clients started with a simple,
no-obligation Plan Design Audit...
On our Blue Cross Plan, Chris provided identical Blue Cross coverage and we saved $130,000 annually.
J&S Electrical
My previous agent gave me a 0% increase but Chris came back with 100% coverage at a savings of 35% below current.
AT Construction
Chris' knowledge of rolling out health benefits for over 10 years to our employees got us 100% Blue Cross coverage at 40% lower rates.
Particle Size Technology
These satisfied clients started with a simple,
no-obligation Plan Design Audit...
What makes Horizon Insure Business Group different from other insurance brokers?
Most insurance brokers focus on shopping rates at renewal. Horizon Insure Business Group takes a plan design approach—reviewing how your current insurance and benefits are structured to identify smarter ways to control costs and improve coverage before renewal decisions are made.
Do you only work with businesses in Pennsylvania and New Jersey?
Our primary focus is serving employers in Pennsylvania and New Jersey. This local focus allows us to provide more tailored guidance and hands-on support for regional regulations, carriers, and employer needs.
What is a Plan Design Audit?
A Plan Design Audit is a structured review of your current insurance and employee benefits program. It identifies cost drivers, coverage gaps, and design opportunities so you can make informed decisions before renewal—without pressure to change brokers.
What size businesses do you typically work with?
No. The Plan Design Audit is informational and educational. Many employers use it to understand their options before deciding whether any changes are needed.
Do I have to switch brokers to get a Plan Design Audit?
We primarily work with small to mid-sized employers, typically ranging from 25 to 250 employees, who want more control over insurance costs and benefits strategy.