Why the Right Agency Matters More Than Ever
It’s 2026 — and if there’s one thing employers have learned over the past few years, it’s that employee benefits are no longer something you can put on autopilot.
Healthcare costs continue to rise. Regulations evolve. Employees expect more. And renewal season seems to get more unpredictable each year.
In this environment, the question isn’t just ‘What plan do we offer?’ It’s ‘Do we have the right agency guiding us?’
Benefits Are No Longer Transactional
There was a time when benefits could be handled with a once-a-year meeting and a few carrier quotes. Today, that approach leaves employers exposed.
Modern benefits strategy requires:
Ongoing renewal negotiation
Claims monitoring throughout the year
Benchmarking against similar-sized employers
Education and communication support for employees
Compliance guidance
Funding strategy evaluation
That level of support doesn’t happen by accident — it happens by design.
What Sets Frost Insurance Apart
At Frost Insurance, we focus on employers in the 15–200 employee range — businesses large enough to feel the pressure of renewal increases, but small enough to sometimes be overlooked by larger brokerage firms.
Our approach is simple:
Challenge renewal increases instead of accepting first-round offers.
Explore funding alternatives when appropriate.
Design plans strategically — not just based on premium.
Support your HR team year-round, not just at open enrollment.
Treat your benefits budget like it’s our own.
Advocacy, Not Just Access
Most agencies have access to the same carriers. What makes the difference is advocacy.
Is your broker having difficult conversations with insurance companies on your behalf?
Does your broker review your plan proactively — or only when renewal hits your inbox?
Does your broker bring you new products and strategies throughout the year?
Those are the questions that define the value of your broker.
A Fresh Start in 2026
As we relaunch the Benefits Breakdown series this year, we’ll be walking through the tools, products, and strategies that help businesses build stronger, more sustainable benefits programs. From group health strategy and voluntary benefits to Worksite Life and income protection — we’ll break down what matters and why.
If you’ve ever wondered whether your current agency is doing enough — 2026 is the right time to evaluate. And if you simply want a second set of eyes on your strategy, that conversation is always welcome.