About Horizon Insure Business Group
Insurance Designed With Intention — Not Built at Renewal
For business owners in Eastern Pennsylvania and New Jersey, the annual cycle of rising insurance premiums has become an expensive and frustrating reality. Year after year, many employers are told the same thing: this is just how it is.
Most insurance brokers respond by shopping the market for slightly cheaper versions of the same off-the-shelf plans — an approach that rarely delivers meaningful or lasting improvement.
At Horizon Insure Business Group, we believe this model is fundamentally broken.
Our Approach: Design First. Coverage Second.
Insurance works best when it’s designed with purpose.
Instead of shopping policies in isolation, we take a step back and evaluate your full risk and benefits picture — how your business operates, how your employees actually use coverage, and what’s driving costs behind the scenes.
Our design-first approach allows us to create a coordinated insurance and benefits strategy that:
✓ Reduces overlap and unnecessary coverage
✓ Aligns insurance with how your business truly operates
✓ Eliminates unexpected costs from coverage gaps you didn’t know existed
✓ Supports predictable costs and fewer surprises at renewal
Every recommendation we make is intentional. Nothing is one-size-fits-all.
Moving Beyond Traditional Brokerage
Traditional brokerage focuses on transactions. We focus on outcomes.
Through our Plan Design Audit, we move beyond the limitations of rate shopping by analyzing:
✓ Employee demographics and benefit utilization
✓ Business risks and operational exposures
✓ Structural cost drivers impacting renewal increases
✓ Opportunities within plan design and funding strategies
This process helps identify specific levers that can reduce premiums without compromising the benefits your employees value most.
Breaking the Cycle of Renewal Shock
Rising insurance costs are often treated as unavoidable. In reality, many increases are driven by plan structure, outdated assumptions, and missed design opportunities — not just carrier pricing.
Our goal is to help employers break free from the endless renewal cycle by providing:
✓ Clear, before-and-after comparisons
✓ Actionable insights tied to real numbers
✓ Sustainable strategies instead of short-term fixes
The result is a better-designed insurance strategy that delivers long-term value, not just short-term relief.
Who We Serve
We work primarily with:
✓ Small companies (2–24 employees)
✓ Mid-sized employers (25–250 employees)
✓ Businesses across Pennsylvania and New Jersey
✓ Owners and HR leaders who want clarity, not complexity
✓ Organizations looking for proactive guidance, not reactive renewals
Chris Fisher
Owner & Strategic Advisor
With over 20 years of experience in the Eastern PA market, Chris specializes in helping manufacturers navigate complex risk landscapes. His “Plan Design Audit” has saved local businesses millions in unnecessary premiums.
Phone: 215-370-6019
Email: chris@hbginsure.com
A Better Way to Start
The best insurance decisions are made before renewal pressure sets in. That’s why we begin every relationship with a Plan Design Audit — a focused, consultative review designed to help you understand your options and make informed decisions with confidence.
These satisfied clients started with a simple,
no-obligation Plan Design Audit...
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.