Our consultancy firm provides resources to protect people and manage risks, whether as a reliable advisor to senior management or for employees, we consistently prioritize delivering results and equipping our clients with the appropriate solutions.
In 2024, employers across all sizes and industries encountered several trends influencing the employee benefits market. These trends, including escalating healthcare costs, a competitive job market, and regulatory concerns, shaped how employers addressed operational challenges. Notably, concerns like healthcare costs and labor market pressures are expected to persist into the coming year.
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Over the past few years, the commercial insurance sector has been grappling with persistent challenges. Rising claim frequency and severity, coupled with social inflation, evolving cyber risks, and continued losses from catastrophic natural disasters, have created a prolonged hard market. In response, carriers have responded by tightening underwriting standards, reducing capacity, and increasing premiums across most lines of coverage.
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With the ever-evolving landscape of cyberthreats, the cyber insurance market can be particularly volatile and dynamic. Frequent market fluctuations make it challenging to accurately predict pricing. The CrowdStrike and Change Healthcare incidents underscored the significant impact of a single cyberattack on multiple organizations and business sectors. Considering the potential consequences of systemic events like these, it’s plausible that insurers may adopt stricter underwriting guidelines in 2025 and be less inclined to reduce rates. While current price predictions suggest lower rates, individual experiences may vary.
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CONSULTING SERVICES
United Benefits offers advisory services for employee benefits and risk management to mitigate healthcare costs and accomplish their desired outcomes. We partner with a leader in the digital insurance market, allowing us to empower our clients to make smarter business decisions throughout the entire lifecycle for better health, wellness, and safety.
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ADMINISTRATION
United Benefits builds responsive, high-value customer service experiences. We partner with you to provide a flexible, user-centered benefits delivery experience that evolves with your company’s needs. Our service model offers expertise that helps us provide administrative best practices. Quality control helps maintain benefits administration compliance and efficiency, and our in-house support team improves response time and removes the frustrations with multiple systems or vendors.
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COMPLIANCE
As the regulatory landscape grows more complex, our services help clients stay up-to-date on changing federal and state legislation and manage regulatory requirements. We provide a single source of compliance resources offering a wide range of content, tools, and applications for risk management.
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CYBERSECURITY
Studies reveal that the vast majority of U.S. small businesses require a formal internet security policy for their employees. However, only about half of these businesses have even basic cyber security measures in place. Despite significant cyber security risks, a staggering 85% of small business owners believe their company is immune to hackers, viruses, malware, and data breaches. This misconception stems from the widespread belief that small businesses are unlikely targets for cyber attacks.
A data breach could have devastating consequences for your small business, resulting in substantial financial losses, including thousands or even millions of dollars in lost sales and damages. Fortunately, we possess the necessary tools and expertise to ensure that you have the appropriate coverage to safeguard your company against potential cyber-attacks. Don’t hesitate to contact us today for additional guidance on cyber risk management and insurance solutions tailored to your specific needs.
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MALWARE
Ransomware is a form of malware that locks users out of their files or devices and then demands payment to restore access. Ransomware attackers hit businesses, organizations, and individuals alike. As cyber incidents become more prevalent, organizations must bolster their security posture. Doing so helps organizations prevent such incidents and allows them to secure adequate cyber insurance. Our guide provides businesses with more information to mitigate ransomware exposures.
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IDENTITY PROTECTION
Every year, millions of people become victims of identity theft. When cybercriminals strike, knowing what to do or where to turn is hard. Rather than leaving security up to chance, you can proactively arm yourself against cybercrimes and reputation hijacking with IDShields™ services.
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