877-415-8342 | 419-678-2326 service@preferredcenter.com

Every business has some problems.

Preferred Insurance Center is really Preferred Solution Center!

Through our partnership with other business professionals, Keystone Insurers Group and our unique My Preferred Business platform, we can provide a shocking array of solutions for problems that go well beyond the normal scope of insurance. It is our mission to help our clients have better businesses and better lives.

Below is a short list of the most common problems businesses have and some of the solutions we offer. The list is far from complete, and will always be a work in progress. If you have a questions or suggestions, just contact us. We’d love to hear from you.

 

Employees, Human Resources, Government Regulations, Benefits and More. 

Do you provide health insurance? Are you self-insured? Should you be?

The Problem

Everything has changed in the benefits world. Maybe your are “Grandfathered” or “Grandmothered” or just paying “Grands”, but a creative expert can show you options. Do they always work? No! Should you know your options? Yes!

The Preferred Solution!

Benefits Professionals with experience, expertise, and millions of dollars of resources

  • Large and small groups
  • Traditional and/or self-insured plans
  • Partially self-insured groups
  • Even captives
  • Full administration and compliance available
  • Can completely integrate with Risk Mangement and Payroll services to provide a complete solution.

Bring some sanity and stability back into the benefits world by making it part of a totally integrated solution managed by professionals. Free your mind so you can concentrate on your bottom line. 

The Affordable Care Act - are you compliant? Will you stay compliant? Are you sure?

The Preferred Solution!

  • Affordable Care Act compliance review, including forms creation and mailing
  • Payroll services that coordinate with your benefits to provide seamless compliance
    • Multiple levels of services so one is sure to suite your needs
  • HR Portals providing reminders of notice due dates and notice templates
  • Access to free HR advice from Keystone’s own HR Lawyer – just call an toll free number

Lets us handle your ACA compliance, so you and your HR staff can stop worrying about that 17,000 page bill and get back to managing your most important, and expensive, asset – your people.

 

Are you prepared for your Department of Labor audit? They're preparing for you

The Problem

The DOL has hired thousands of new auditors to ensure compliance with the Affordable Care Act and ERISA.  Many employers aren’t prepared for the possibility of an audit. Although many audits are triggered by an employee complaint, most are random, or triggered by a failure to file.

The Preferred Solution!

  • Our risk management and benefits divisions work together to do a compliance assessment
  • Assessment makes recommendations and identifies areas of concern
  • Full Department of Labor Audit preparation including documentation is available.
  • Audit defense and representation is also available.

It’s not a matter of if you get audited, but when. Being prepared will greatly reduce the time and expense of an audit, not to mention YOUR stress. Correcting problems early will reduce fines and penalties.

OSHA & BWC - have you thought about them lately? Are they thinking about you?

Your Problem

OSHA and The Bureau of Workers Compensation don’t just have a couple regulations, they have thousands.

  • Who can keep up with all that?
  • How do you provide all that training?
  • Is your Workers Comp rate being effected?

The Preferred Solution

We provide a huge list of services and resources. Below is just a few of our more popular solutions.

  • OSHA assessment, pre-inspection and defense
  • OSHA 10/30 Hour Training, Competent Person, Powered Industrial Truck, and Supervisor Training
  • OSHA 300 Log Requirement assessment and development
  • Post Accident Claims Investigation
  • Safety Committee formation and administration
  • Safety Manual review or development
  • Fleet Safety Program

An ounce of prevention is work a pound (or hundreds or thousands of $$$$) of cure. You can know you are proactive and ready.

Do you drug test? Is your program legal? Fair? Working?

Your Problem

You’re thinking about drug testing, or maybe you think you already are drug testing. But what about..

  • Are people cheating? Do you want them to?
  • Do you have legal guidelines? Are you following them?
  • Is this helping your staffing and safety, or creating a lawsuit?

The Preferred Solution

Again, we have professional, legal, assistance available

  • We will review your current policy, or help you create a good one.
  • We will teach how to implement it and make sure you are getting results.
  • We will show how to use drug testing to avoid lawsuits, not creat them.

Never again wonder if your drug testing program is just pissing away your profits.

 

Hiring, Firing, and Employee Reviews - Yep, we been there.

Your Problem

You literally interact with your employees hundreds of times in a hundred different ways all the time. Every one of those interactions can help you and your employees work better together, or land you in a courtroom.

The Preferred Solution

  • Employee Manual development and/or review
  • Example Employee Review Forms
  • Hiring and interview guidance and recommendations
  • Access to an HR Lawyer – just a toll free call away
  • Systems and portals capable of handling on your hiring and termination forms and requirement

You don’t just want to avoid doing something wrong, you want to do a lot of things right.

Risk Management – Not Just Insurance

What could happen, or not happen, that threatens your business? Do you really know?

Your Problem

Have you considered what really threatens your business (besides fire and windstorm)?

  • What happens if your biggest supplier, or customer, is wiped out by a tornado?
  • Do you have employees you depend on? What happens when they’re gone?
  • Getting hacked can ruin you…but you probably don’t use the internet at all.
  • How many ways can that widget you make get you sued?

The Preferred Solution

  • We start by asking a lot of questions and getting to know you.
  • Let’s also talk to your key people and ask them what they worry about.
  • We’re not lawyers, but we need to look at some contracts.
  • Let us service your current policy till we know what we really need.
  • Let’s remember that insurance is for the large losses, but let’s be sure we cover the big ones.
  • Forget the “apples to apples” quote. Apples to apples quotes will usually just get you bad apples.

When you’ve been part of a real discover process, you know it and you’ll know what your paying for and why. “Surprises” are for birthday parties, not big financial losses.

Do you make a product or build something? How many ways could it get you sued?

Your Problem

You probably got into business by thinking a different ways to do things or use things. You know people are doing that with everything you make or sell. Now when one of them gets hurt or burns something down, who do you think the lawyer is going after?

  • If you’ve never been sued, it’s probably your turn.
  • Have you looked at everything you make, sell and do lately?
  • Has your business changed lately? (Whose hasn’t)

The Preferred Solution

  • We usually get the assistance of industry-specific specialists who have done this before.
  • We review current and potential products for risk of user injury and contingent property damage.
  • Focus is on product itself, labeling and operations manuals.

You can be armed and ready. When the lawyer’s letter arrives, instead of panic, you can feel sorry for the lawyer!

Do you ever give advice or make a decision? The lawyers are watching.

Your Problem

How often do you give someone advice or just make a decision?

  • “Professional” activities  can get your sued.
  • Since its not a product, it may need special coverage.
  • What do your contracts say you do?
  • What do you advertise?

The Preferred Solution

  • Again, we really try to get to know you and your business.
  • The industry specialist we work with know what “Professional” means.
  • We specifically look for these things instead of just quoting “apples to apples”.

You want people to think you’re a professional or expert, so we’ll make sure if a lawyer tries to use that against you the insurance company is ready for them.

Getting hacked can ruin you...but you probably don't use the internet at all.

Your Problem

You and your employees probably use the internet every day. What happens if someone’s laptop is stolen?

  • Do you send private information through emails?
  • Do you keep information on your laptops or hard drives?
  • What happens if someone steals that laptop or server?
  • People all over the world are trying to hack into your computers. What if they succeed?

The Preferred Solution

  • We have simple questionnaires that will uncover most problems.
  • We know who to contact for expert opinions.
  • A lot of problems can be solved with simple solutions.

We’re not an internet security company, but we probably can help you decide if you could have a problem and put you in touch with the people who have the solution.

Do you have employees you depend on? What happens when they're gone?

Your Problem

Most businesses have a few people that make everything else work.

  • Do you know who these people are and why they are “key”?
  • Do you have an idea what they know and what they think?
  • Have you figured out what you will do if they suddenly die…or quit…or get sick?
  • What could you do to keep them from quitting?

The Preferred Solution

  • We’ll do brief key employee interviews.
  • We discover what they do that is so vital.
  • We also find out what they see as problems and threats to the business.
  • Let’s find out what they want for their future too.
  • Golden Handcuffs, Deferred Compensation…yeah we know what those are.

Once you have a plan for keep or replacing the key people, even an untimely disaster won’t be a disaster for the business.

Have you had a few claims? Think we could learn from them?

Your Problem

You’ve had a few claims and now your rates are going up.

  • Those claims seem unrelated…but are they?
  • Even if they were small, will the next one be?

The Preferred Solution

  • We’ll look at your claims to learn what we can.
  • Industry experts will help find ways to reduce or eliminate those claims in the future.
  • Let’s make the changes we need to reduce your cost.

Nobody wants a claim, but if you have had a few we can learn from them. Let’s make sure experience is a teacher.

You don't have to handle every threat. It's called Risk Transfer, and it could be free.

Your Problem

Every possible loss is a risk to someone.

  • Who is going to pay, and how much?
  • When did you last consider what risk you can handle, and what you can transfer?
  • Do you even know where to begin?

The Preferred Solution

  • Some risk are small and you can be paid to take them!
  • Some may be able to be covered completely by someone else.
  • We’ll compare the alternatives, higher deductibles and self-insurance so you know your options.

When you decide what you will handle and what you won’t, you’ll only pay for the coverages you really need without risking a loss that will bring your business to an untimely demise.

You have enough hassles - you don't want Risk Management to be another one.

Your Problem

Do you know what services to expect when and from whom when it comes to your insurance, benefits, and risk management?

  • Do you have a service contract for these things?
  • Does your staff know who to call when things go wrong?
  • More important, do they know who to call when things go right?

The Preferred Solution

  • You choose the services you want and when you want them.
  • You get a timeline for those services, and who will be contacting you.
  • We know who to contact at your company so we don’t waste the wrong person’s time.

We have a system that keeps track of who at your organization we need to deal with for each of our services you choose. You delegate, we cooperate…and you get a break.

Business Planning & Growth

Business Planning and a plan that works are not always the same.

Your Problem

You have an idea what you want to do, but how do you actually get it done?

  • Do you really know what you need to do?
  • Do you know your strengths, weakness, opportunities and threats?
  • Considering your SWOTs – what’s next?
  • Are you ready to get it done?

The Preferred Solution

  • A workable, usable, FREE guide to the planning process
  • Additional help if you want a second opinion
  • Advice for turning a plan into results

A ship without a course is always lost. Just having a plan will get you going somewhere and sleeping better.

Disaster Planning - Kitchen Fire to Tornado - What are you going to do?

Your Problem

You know you should have a plan for handling a disaster, but there those small business problems.

  • You have no idea where to start
  • You can’t afford an expensive consultant.
  • You’re not even sure you can afford the solutions!

The Preferred Solution

  • Start with a free, simple, do it yourself guide that we can provide.  Click Here
  • If you have a plan, even a simple one, you’re way ahead of the crowd.
  • Coming Soon – Resources page to help you know where to get help.
  • A plan without funding will probably fail. We can get the funding you need.

When you face a disaster and you have a roadmap (plan), you can begin to solve the problem instead of crumbling in despair.

Do you have a partner? Do you need one? Do you want to work with their heir?

Your Problem

It’s a lot easier to get a partner than it is to keep a business going strong when you lose one.

  • There are a lot of things besides death that you need to consider: disability, crime, mental conditions….
  • No plan can bankrupt a thriving business
  • A plan without the money to make it work is a disaster

The Preferred Solution

  • We aren’t lawyers, but we know what to look for and we know who does this kind of work.
  • We’ve been through it successfully & experience is a great teacher.
  • You can fund a great plan in probably fund a retirement too.

Whether it retirement or an emergency, having a plan and the funds saves a lot of money, time, and heartache.

  • Buy - Sell plan review

    Do you have one? Will it work? Is it funded?
You've got a lot of great ideas. How do you decide what to do next?

Your Problem

You probably either have, or receive from others a lot of great ideas.

  • You can’t do them all, you’ll probably end up not finishing them or not doing them well.
  • How do you know which to do, which to forget, and which to do later.

The Preferred Solution

Believe or not, we have a simple decision making spreadsheet that can clear the air, so you don’t have to error.

Have you thought about life after work? Your life...or someone else's.
  • Your Problem

    Retirement and financial planning is a specialty you probably can’t do, and don’t have time for…but failing to plan for it is not an option.

    • Group retirement plans are heavily regulated
    • Your group plan is not enough
    • You have a business to run too.

    The Preferred Solution

    • We work with group retirement plan specialist
    • They also do individual planning
    • And they can do all the investing too.

    Don’t just hope you have a great retirement – create it. You can dream of relaxing, and relax knowing your dream can come true.

Sales & Marketing

Under Construction

Your Problem

Under Construction but coming soon!

The Preferred Solution

Team Development & Growth

Under Construction, but coming soon!

Your Problem

 

The Preferred Solution

Personal Growth

We all want to retire some day. Know when and how.
  • Your Problem

    Retirement and financial planning is a specialty you probably can’t do, and don’t have time for…but failing to plan for it is not an option.

    • Group retirement plans are heavily regulated
    • Your group plan is not enough
    • You have a business to run too.

    The Preferred Solution

    • We work with group retirement plan specialist
    • They also do individual planning
    • And they can do all the investing too.

    Don’t just hope you have a great retirement – create it. You can dream of relaxing, and relax knowing your dream can come true.

Living Successfully - Help your employees help themselves

Your Problem

When your employees have problems, you have problems. Everyone’s life occasionally gets turned upside down. It might be an accident, a heart attack, cancer, or just age.

The Preferred Solution

  • Complete reviews of your employee’s personal insurance – we almost always save them money.
  • Personal life insurance reviews
  • Guidance from experts on finances and investing
  • Access to My Preferred Life
    • Get coupons and discounts from local businesses
    • Literally tons of information and advise on a wide range of subjects
    • We give away gifts and prizes every quarter.

Whether financial or otherwise, if you can help them navigate life a little better you will have a better employee and a better business.