The liberty advantage for your employees​

By employing the Liberty Advantage approach, our experts address the complexity of employee benefits and develop plans targeted to address unique needs for each client. We offer a wide variety of Employee Benefits products and insurance services. Through our partnership with over twenty-five of the nation’s top insurers, we’re able to provide the best products at competitive prices for your business.

CONSULTING SERVICES

We view each client as unique and customize our consulting services based on the degree of complexity or simplicity of your benefits program. We approach our fees for consulting in the same manner; we consider the level of support needed to deliver a comprehensive benefits program to your most valued asset. Our capabilities include:

HEALTH AND WELFARE BENEFITS CONSULTING

  • Plan Design and Implementation of Changes
  • Annual Planning Sessions
  • Benchmarking
  • Risk Review and Analysis
  • Claims Utilization Analysis
  • Plan Modeling
  • Compliance Support
    • Explaining the impact of regulatory environment on your benefit plan. Including, ERISA/COBRA/HIPAA/PPACA
    • 5500 Preparation
    • SPD Preparation
    • Compliance Reviews
  • Employee Contribution Strategy
  • Actuarial Services
  • Employee Educational / Enrollment Meetings
  • Benefit Communications
  • Wellness Program Assistance

BROKER SERVICES

We believe the role of a broker is to stand in the shoes of our clients. While we build strong relationships and partnerships with many insurance carriers and third parties, we represent our clients, not the carriers from whom they purchase coverage. Our broker services include:

  • Market Study Analysis
  • Requests for Proposals
  • Vendor Implementation
  • Renewal Negotiations
  • Contract Review
  • Vendor Liaison

INSURANCE / THIRD PARTY ARRANGEMENTS

Through our partnerships with over twenty-five of the nation’s top insurance service providers, we’re able to provide the best insurance arrangements for the most competitive cost, including:

  • Medical
  • Dental
  • Vision
  • Life Insurance
  • Loss of Income
  • Retirement Plans
  • Self-Funded Programs
  • Wellness Programs
  • Long Term Care
  • TPA Services
  • Flexible Spending Accounts
  • Health Reimbursement Accounts
  • Health Savings Accounts
  • Business Travel Accident
  • EAP Programs

97% of our customers rank our Benefits team as excellent or above average (Customer Satisfaction Survey).

Liberty is one of the leading independently owned employee benefit firms in the Mid-Atlantic Region, serving clients nationwide.

TAKE THE FIRST STEP CONTACT LIBERTY INSURANCE