Since 1987, KP Insurance Solutions has provided Florida businesses with professional guidance on group health, dental, life, and disability insurance programs. We specialize in helping organizations design and implement comprehensive benefits packages that protect employees while meeting budgetary objectives.
For over three decades, KP Insurance Solutions has served as a trusted advisor to organizations throughout Florida, providing comprehensive group insurance programs that protect employees while supporting business objectives. Our specialized focus on group benefits enables us to maintain deep expertise and deliver informed guidance across all aspects of benefits planning.
We understand that employee benefits represent both a significant investment and a critical factor in attracting and retaining quality talent. Our role extends beyond simply procuring insurance coverage—we serve as strategic partners who help organizations design benefits programs that balance comprehensive protection with fiscal responsibility.
Every business faces unique challenges related to workforce demographics, budget constraints, competitive positioning, and regulatory compliance. We invest time to understand these specific circumstances, allowing us to recommend insurance solutions precisely calibrated to your organization's requirements rather than offering standardized products.
Selecting an insurance advisor represents an important business decision. The right partner brings not only access to insurance products but also strategic guidance, market intelligence, and ongoing support throughout the entire policy lifecycle.
With over 38 years of focused experience in group insurance, we possess comprehensive understanding of plan design, underwriting processes, carrier negotiations, regulatory compliance, and claims administration. This depth of knowledge enables us to navigate complex insurance markets efficiently and secure favorable terms for our clients. Our specialization means we stay current on industry developments, emerging products, and regulatory changes that may impact your benefits programs.
Our longstanding relationships with financially stable insurance carriers provide access to competitive pricing and comprehensive coverage options. We work exclusively with carriers that maintain strong financial strength ratings and demonstrate consistent performance in claims service and customer support. These relationships, built over decades, enable us to advocate effectively on behalf of our clients during underwriting, rate negotiations, and claims resolution.
As an independent insurance agency, we represent your interests rather than any single insurance carrier. This independence allows us to conduct objective analysis, compare multiple carriers and products, and recommend solutions based solely on your best interests. We are compensated through standard industry commissions paid by insurance carriers, ensuring our services come at no additional cost to you while maintaining our advisory independence.
We recognize that effective benefits programs must be tailored to specific organizational circumstances. Our consultative process considers multiple factors including industry sector, competitive positioning, workforce demographics, geographic considerations, and budgetary parameters. This comprehensive analysis enables us to develop recommendations aligned with your unique requirements rather than proposing one-size-fits-all solutions. We take time to understand your organization's culture, values, and strategic objectives to ensure benefits recommendations support your broader business goals.
Our relationship with clients extends well beyond initial policy placement. We provide ongoing support including enrollment assistance, employee communication and education, claims advocacy, compliance guidance, and annual plan reviews. This service commitment ensures that your insurance programs continue to perform effectively over time. When issues arise—whether claims disputes, coverage questions, or administrative challenges—we serve as your advocate with insurance carriers to achieve prompt, favorable resolution.
We continuously monitor insurance markets, tracking rate trends, emerging products, regulatory developments, and competitive positioning. This market intelligence informs our recommendations and enables us to advise clients proactively about opportunities to improve coverage or control costs. Our annual plan reviews assess program performance, benchmark against market conditions, and identify potential enhancements to ensure your benefits remain competitive and cost-effective.
Our consultative approach ensures insurance recommendations align precisely with organizational objectives and constraints. We follow a disciplined methodology designed to produce optimal outcomes.
We begin every engagement with comprehensive discovery designed to understand your organization's unique circumstances. This process examines organizational structure, workforce demographics (age distribution, geographic dispersion, income levels), current benefits offerings, employee utilization patterns, competitive positioning, budgetary parameters, and strategic objectives.
We review existing insurance documents, analyze claims experience, and identify areas requiring attention or improvement. This thorough analysis provides the foundation for informed recommendations. Our discovery process typically includes interviews with key stakeholders, review of existing benefit documentation, analysis of census data and claims history, and assessment of your competitive benefits positioning.
Drawing upon our carrier relationships and market knowledge, we conduct thorough research to identify insurance solutions aligned with your requirements. We evaluate carrier financial strength, claims service reputation, network adequacy, product features, and pricing competitiveness.
Our market positioning process typically involves soliciting proposals from multiple carriers to ensure comprehensive options and competitive terms. We assess each carrier's capabilities, service model, technology platforms, and track record to recommend partners who will serve your organization effectively. This competitive process ensures you receive the best available terms while selecting carriers known for quality service and financial stability.
We develop detailed plan recommendations incorporating coverage features, cost-sharing structures, contribution strategies, and implementation approaches. Our presentations include clear explanations of coverage provisions, premium projections at various contribution levels, employee cost illustrations, comparative analysis of alternatives, and discussion of strategic considerations.
We provide sufficient information to enable informed decision-making while offering professional guidance based on our experience and market knowledge. Our goal is to present options clearly while helping you understand implications of various choices. We model different scenarios to illustrate the impact of various plan design decisions on both organizational costs and employee benefits.
Following plan approval, we manage the implementation process including carrier coordination, policy document review, system setup verification, employee communication development, and enrollment administration. We ensure smooth transitions whether implementing coverage for the first time, changing carriers, or modifying existing programs.
Our enrollment support may include on-site meetings, webinars, individual consultation, and comprehensive written materials. We work to ensure every eligible employee understands their options and makes informed enrollment decisions. Our implementation checklist ensures nothing is overlooked during this critical transition period.
Our relationship continues beyond initial placement with ongoing support including claims advocacy, employee questions response, compliance guidance (ACA, COBRA, HIPAA), and proactive communication regarding regulatory changes or market developments.
We conduct annual reviews assessing plan performance, claims experience, participation rates, employee feedback, and market conditions. These reviews identify opportunities for plan enhancements, cost management strategies, or coverage improvements. Our goal is ensuring your benefits programs continue to serve your organization effectively as circumstances evolve. We proactively monitor your renewals and begin the renewal analysis process well in advance of your renewal date.
Contact us to discuss your organization's insurance requirements and receive a customized proposal tailored to your specific needs.
Professional solutions designed to protect your workforce and support your business objectives.
We provide a full range of group insurance products designed to meet the diverse needs of Florida businesses and their employees.
Comprehensive medical coverage plans providing access to quality healthcare services. Our health insurance solutions include preventive care, hospitalization, prescription drugs, specialist visits, and emergency services. We work with leading carriers to offer diverse plan designs including PPO, HMO, and high-deductible health plans paired with health savings accounts.
Key Features:
Dental benefit plans covering preventive, basic, and major dental procedures. Our dental insurance programs emphasize preventive care while providing comprehensive coverage for necessary dental treatments. Plans typically include coverage for routine cleanings, fillings, root canals, crowns, bridges, and orthodontic services.
Key Features:
Life insurance protection providing financial security for employees' families. Our group life insurance programs offer basic coverage as well as opportunities for employees to purchase supplemental protection. Coverage options include term life insurance, accidental death and dismemberment (AD&D), and dependent life insurance for spouses and children.
Key Features:
Income replacement coverage protecting employees during periods of disability. Our disability insurance programs include both short-term and long-term disability options, ensuring employees maintain financial stability when unable to work due to illness or injury. Coverage typically replaces a percentage of salary during disability periods.
Key Features:
Beyond core benefits, we offer supplemental insurance products that provide enhanced protection and address specific employee needs.
Vision care plans covering eye examinations, prescription eyewear, and contact lenses. Our vision insurance provides valuable coverage for routine eye care and helps employees maintain good vision health.
Lump-sum benefit payments upon diagnosis of covered critical illnesses such as cancer, heart attack, or stroke. This coverage helps employees manage out-of-pocket expenses during serious medical events.
Cash benefits to help cover expenses resulting from accidental injuries, including emergency room visits, hospital stays, and other treatment costs not fully covered by major medical insurance.
Tax-advantaged accounts allowing employees to set aside pre-tax dollars for qualified medical and dependent care expenses, reducing taxable income while covering out-of-pocket costs.
Contact us today for a consultation to explore how our insurance solutions can support your organization.
Answers to common questions about group insurance and our services.
Our specialization in group benefits provides several advantages. With over 38 years exclusively focused on group insurance, we possess deep expertise in plan design, carrier negotiations, regulatory compliance, and ongoing service. As an independent agency, we represent your interests rather than any single carrier, allowing us to provide objective guidance and access to multiple insurance carriers. This independence enables us to compare offerings from various carriers and recommend solutions based solely on your best interests.
Additionally, our relationships with financially stable carriers, built over decades, enable us to secure competitive rates and advocate effectively on your behalf. We view ourselves as strategic partners rather than transactional vendors, investing time to understand your specific circumstances and organizational objectives.
We are compensated through standard industry commissions paid by insurance carriers. These commissions are included in insurance premium rates and do not represent additional costs to you. This compensation structure is standard across the insurance industry and allows us to provide comprehensive advisory and service support at no direct cost to our clients.
Our commission-based compensation aligns our interests with yours—we succeed when we help you secure appropriate coverage at competitive rates and provide service that earns your continued partnership.
We work with organizations of various sizes, from small businesses with 2-10 employees to mid-sized companies with several hundred employees. While group size impacts available products and pricing, our consultative approach and service commitment remain consistent regardless of organization size.
Each client receives the same level of attention, strategic guidance, and ongoing support, whether you have 5 employees or 500.
We provide access to various health plan designs including traditional PPO plans (offering flexibility to see any provider), HMO plans (emphasizing coordinated care through a primary care physician), and high-deductible health plans paired with health savings accounts (providing tax advantages for cost-conscious employers and employees).
Each plan type offers distinct advantages, and we help you evaluate which approach best fits your organization's needs, budget, and employee preferences. Plan design decisions consider factors such as provider network preferences, cost-sharing structures, premium levels, and tax implications.
Yes, we specialize in developing customized benefits programs aligned with your specific circumstances. While insurance carriers establish basic plan frameworks, many elements can be customized including deductibles, coinsurance percentages, copayment amounts, out-of-pocket maximums, covered services, and employer contribution strategies.
We work with you to design benefits packages that balance comprehensive protection with budget constraints, competitive positioning considerations, and employee demographics. Our goal is developing a program specifically calibrated to your organization rather than offering standardized solutions.
Coverage decisions involve multiple considerations including industry norms, competitive positioning requirements, budget parameters, workforce demographics, and employee preferences. We guide you through this analysis by providing market intelligence on typical offerings in your industry and geographic area, modeling costs at various coverage levels, assessing employee utilization patterns and needs, and discussing strategic objectives related to talent attraction and retention.
This comprehensive evaluation enables informed decisions balancing adequate protection with fiscal responsibility.
Implementation timelines vary based on program complexity, organization size, and whether you're establishing benefits for the first time or changing carriers. Typical implementation requires 4-8 weeks from initial carrier selection through enrollment completion.
This timeline includes carrier underwriting (1-2 weeks), proposal review and decision-making (1-2 weeks), system setup and document preparation (1-2 weeks), and employee communication and enrollment (2-3 weeks). We manage this process to ensure smooth, timely implementation while allowing adequate time for each phase.
Initial analysis requires employee census information (dates of birth, zip codes, coverage tier elections), current benefits documentation if applicable, claims experience data if available, and budget parameters. We provide templates to facilitate information gathering and can assist with data organization.
This information enables us to develop accurate proposals and recommendations tailored to your specific circumstances. All data is treated confidentially and used solely for insurance proposal development.
We provide comprehensive enrollment support including development of clear employee communication materials, coordination of enrollment meetings (on-site or virtual), individual employee consultations as needed, and enrollment administration assistance. Our goal is ensuring every eligible employee understands their options and makes informed decisions.
Enrollment support can be customized based on your preferences and workforce characteristics. Some clients prefer group meetings supplemented by individual consultation hours, while others utilize comprehensive written materials with limited meeting time.
Our service commitment extends well beyond initial implementation. We provide ongoing support including employee questions assistance, claims advocacy when issues arise, compliance guidance on regulations such as ACA, COBRA, and HIPAA, new hire enrollment coordination, annual plan reviews and renewal management, and proactive communication regarding regulatory changes or market developments.
This comprehensive service model ensures your benefits programs continue to function effectively and that you have a knowledgeable partner available to address issues promptly.
We proactively monitor renewal timelines and begin the renewal analysis process 90-120 days before your renewal date. This process includes reviewing plan performance and claims experience, assessing market conditions, negotiating with current carriers for competitive renewal terms, and soliciting competitive proposals when appropriate. We present comprehensive renewal recommendations including rate analysis, plan design considerations, and strategic alternatives.
This proactive approach ensures you have adequate time to evaluate options and make informed decisions without time pressure.
We serve as your advocate with insurance carriers when issues arise. Whether addressing claims disputes, coverage questions, billing discrepancies, or service concerns, we leverage our carrier relationships and expertise to achieve prompt resolution. Our established relationships and knowledge of carrier operations often enable us to expedite resolution more effectively than employers working independently.
When contacted about issues, we investigate circumstances, coordinate with carrier representatives, monitor resolution progress, and keep you informed throughout the process.
Every organization has unique circumstances. Contact us to discuss your specific questions and requirements.
Ready to discuss your organization's insurance needs? We're here to help.
We welcome the opportunity to discuss your organization's insurance requirements and explore how our services can support your objectives. Whether you're establishing benefits for the first time, evaluating your current program, or seeking a second opinion on existing coverage, we're here to provide professional guidance.
Over 38 years of dedicated service to Florida's business community.
KP Insurance Solutions was founded in 1987 with a focused mission: to provide Florida businesses with professional guidance on group insurance benefits. Over the past three decades, we have remained committed to this specialization, developing deep expertise in all aspects of group benefits planning and administration.
Our longevity reflects both our commitment to client service and our ability to adapt to evolving insurance markets and regulatory environments. Through changing administrations, healthcare reforms, and market cycles, we have consistently guided organizations through complexity while maintaining our core values of integrity, expertise, and personalized attention.
Our approach to insurance advisory services is guided by core principles developed over decades of serving Florida businesses.
To serve as trusted advisors helping Florida organizations design, implement, and maintain group insurance programs that protect employees while supporting business objectives. We achieve this mission through specialized expertise, objective counsel, established carrier relationships, and comprehensive service commitment.
Expertise: We maintain deep knowledge across all aspects of group insurance through continuous education and specialization.
Integrity: We provide objective guidance aligned with client interests rather than pursuing maximum commissions.
Service: We view ourselves as partners rather than vendors, committed to supporting clients throughout the policy lifecycle.
Independence: Our independent agency status enables objective carrier evaluation and recommendation.
Discover how our expertise and service commitment can support your organization's benefits objectives.