What makes Cobbs Allen different? We strive to understand your organizations goals as we analyze and manage the risk associated with your business. We use that knowledge to bring creative solutions to the threats you face, not just place your insurance coverage. Our Employee Benefits practice brings a Risk Management philosophy to our clients. Our intention is to Evaluate, Prevent, Mitigate and ultimately Transfer exposures, liabilities and risks associated with Health and Welfare and Human Capital initiatives. We help our clients create sustainable health insurance programs. We do not make decisions in a vacuum, i.e. reacting to market conditions and carrier increases. Instead, we prevent profit margin erosion by creating a multi-year strategy designed to engage and enable plan participants to be savvier consumers of Healthcare. Once plan participants have a better understanding of how to navigate todays complex healthcare delivery system, trend lines will flatten and health insurance becomes an asset instead of a liability. Cobbs Allen provides an unparalleled level of service and value-added resources designed to enhance our clients benefits packages and stretch HR budgets further. Examples of our services include: Compliance Consulting, Technology Solutions, Human Resources Consulting, Employee Communications, Mergers & Acquisitions Consulting, Claims Analytics & Cost Containment Strategies. For our Commercial Lines P&C clients, we provide Safety and Loss Control services at no additional costs to groups that meet a certain size threshold.