Health & Welfare and Property & Casualty Services
Two Core Services, One Fiduciary ApproachKBIC provides fiduciary oversight across Health & Welfare plans and Property & Casualty programs. Our top priority is protecting clients by identifying risks objectively, continuously auditing risk transfer programs, and ensuring effective collaboration with both current and prospective brokers.
Health & Welfare
When you bring on KBIC as your fractional Vice President of Internal Insurance Operations for Health & Welfare, you gain a co-fiduciary partner who builds a tailored insurance risk management process around your organization. We focus on cost containment, compliance adherence, and overall plan performance—ensuring member satisfaction and long-term stability.
• Custom plan design & funding analysis
• Cost containment strategy development
• Compliance oversight (ERISA, ACA, COBRA)
• Governance reporting & performance monitoring
• Employee communication
Property & Casualty
When you bring on KBIC as your fractional Vice President of Internal Insurance Operations for Property & Casualty, you gain an experienced risk management team that strengthens your protection. We identify coverage gaps, assess internal risk strategies, and provide options to address exposures before they become costly problems.
• Coverage placement & program design
• Gap analysis & risk assessment
• Contract and certificate review
• Loss prevention & claims advocacy
• Market benchmarking & negotiation
fi·du·ci·ar·y
noun
One with the authority and obligation to act on behalf of another under circumstances that require absolute objectivity and total trust. The fiduciary must avoid conflicts of interest in which personal benefit could be gained through their decisions or direction.
“As the plan administrator, the employer acted as a fiduciary, making decisions about insurance benefits in the best interest of the employees.”
Our Fiduciary Promise
At KBIC, fiduciary is more than a definition — it’s our promise. We act with complete transparency, placing your interests first and ensuring that every decision is guided by trust, accountability, and measurable outcomes.
Our Fiduciary Advantage
We bring the scale, perspective, experience, and executive-level insight as part of your leadership team.70+ Renewals Managed Each Year
While most employers face one renewal annually, we oversee dozens. That scale gives us unmatched perspective and leverage in every renewal collaboration.
One of Your Largest Expenses
Employee benefits are often a top line cost item. We bring fiduciary oversight to ensure your spend delivers measurable value.
Recruit, Retain, Retire
A strong benefits package is more than a cost — it’s a competitive tool to attract and keep talent while supporting employees throughout their careers.
Executive Expertise, Without the Overhead
Hiring KBIC gives you the value of an on-staff insurance executive, without the burdensome overhead.
Let's Connect
Have a question about our services? Want to learn more about how to get started?