Hire Us

Why should you consider doing business with EmSpring?

1. We are independent - we represent our clients and not the insurance industry or technology vendors.
2. We are effective - our advice and solutions are well researched and custom designed to meet your needs.
3. We are progressive - we adapt and continuously improve.
4. We are cost effective - our overhead is a fraction of our major competitors.
5. We have no sales quotas of any kind and none of our employees are directly compensated with commissions.
6. We are privately-held by local owner-employees - we are client focused and not shareholder driven.
7. We are committed to the small and middle market employers no matter what healthcare reform and technology advancements may bring.
8. We hire and train the best people from within the community to serve our clients.
9. We are active and aggressively pursue results on behalf of our clients.
10. We take our work very seriously, but we look for opportunities to spread goodwill and inject a little bit of humor in our efforts.

Hire Us

There are few contractual obligations that prevent an individual or organization from partnering with a new insurance agent,  brokerage firm or technology advisor at any time. All it takes is a simple engagement letter. Because of the simplicity, incumbent insurance agents and brokers often come up with “creative” stories and counter-measures to keep their clients from changing their brokers and advisors. We have taken over accounts from other agents, brokers and firms large and small and can help you with the process to make it as easy as possible.

How can we retain the services of EmSpring?
Just say “yes” and sign a simple Broker of Record (or Broker Appointment) letter.

There is no "typical" contract used to retain an employee benefits insurance broker. Providing your current insurance carriers and administrative vendors with a simple letter that designates EmSpring as your "Broker of Record" is all it takes. If our services will include the management of your health plan, we will also need to have a HIPAA “Business Associate Agreement” that spells out how we protect your private health information. That's it!

What do we do first as your insurance broker?
A complete benefits and human resource administration audit. Even if you choose not to pursue all of the services we have to offer, we can make life easier for our clients by documenting our findings on everything from technology recommendations to regulatory compliance support.

How are we compensated?

The resources that EmSpring provides are supported by commission and/or fees paid to us directly by our clients or indirectly by their insurers or third party administrators. Typically, our clients select insurance carriers at renewal and pay a premium to these carriers each month. With those premium dollars, the carrier provides coverage to our clients and pays claims and, if applicable, commissions to your agent or broker of record. For our larger human resource technology and self-insured health plan clients, we typically are paid a flat per employee per month fee. As long as our compensation is legal, agreed to by our clients and fully disclosed, EmSpring has no preference to the form we are paid for our services.

Because we openly share full vendor and insurer proposals and sign disclosure statements with clients, you will not have to wonder how much and in what form we are paid.

Who can I talk to about you and your services?
For client references from your area and/or industry, please just ask!

EmSpring has a lot to offer. If you feel that doing business with us may be in your best interests, please contact us to find out how easy it is to hire us!