T&O helps Associations facing challenges in obtaining good group insurance for their members. The challenges we overcome in developing Association group plans include:
Associations tend to have a larger and more diverse member base than a typical business. This can make it more difficult for insurers to assess the risk associated with insuring the association.
Second, associations membership are comprised of a diverse array of organizations that makes it difficult to assess risk, manage eligibility enrollment, communicate, and offer a balanced solution that meets the needs of the majority of members.
Third, associations may have complex governance structures and decision-making processes, which can make it more difficult for insurers to communicate with and understand the needs of the association.
Lastly, associations may not have the same level of financial resources as a typical business, which can make it more difficult for them to afford the insurance coverage they need to protect themselves from potential losses.
