Verona Office: 800-372-2558   |   Cherry Hill Office: 800-452-5376

Fairview offers a full range of employer services to help businesses effectively monitor the quality of their benefits program. Our services include:

  • Strategic Planning, providing you the opportunity to determine benefit appropriateness, cost effectiveness and marketplace competitiveness. We help you conduct annual evaluations of your employee benefits program, including programmatic and financial analysis. If you need to change or upgrade your existing plans, we help you develop bidding specifications and RFPs to send to prospective providers, then assist in evaluating the responses you receive.

Additionally, many of our clients work with labor unions. We offer expertise working within union constraints to provide you with relevant benefits information for union contract negotiations.

  • Vendor Oversight, providing a watchful eye over your benefit vendors’ contractual compliance. We work with your carriers to establish a regular reporting schedule so we are able to analyze data for financial forecasting and to establish other trends and norms.
  • Document Review and Quality Assurance, ensuring your plan documents and contracts are reviewed for compliance with applicable laws and the terms of any collective bargaining agreements within your organization.
  • Renewal Evaluation, through a proactive process that builds a cost profile based on account-specific claim results and market trends. We carefully monitor and conduct ongoing analysis of monthly and year-to-date claim activity, generally approaching renewal with clear anticipation of appropriate carrier rates. We meet with you prior to the actual renewal date to review your goals and develop a strategy for carrier negotiations that may include plan redesign, modified employee contribution schedules, alternative funding considerations and specifications for a bidding process to market the program to competing carriers.
  • Enrollment and Education Meetings, including direct support from carrier representatives to discuss plan designs and answer questions from employees. We will coordinate the mailing of pertinent materials such as I.D. cards, individual carrier benefit booklets and network directories. Fairview can also provide consultative support at employee education meetings and other events such as health fairs and orientations for new employees.
  • Communications, assisting you to prepare materials for open enrollment periods, new benefit offerings, benefit modifications, benefit values, legal notices (including legislative updates), health fairs or other special events, and other times when employee benefit communications are critical.
  • Additional Services, including helping to negotiate best rates, filing claim settlements and billing services. Fairview also provides an online benefits administration system, drastically reducing the amount of time your human resources personnel must devote to the administration of your plan. Through a third-party administrator, Fairview helps with COBRA and HIPAA administration and stays on top of legislative and carrier changes to provide our clients with regular updates on legislative changes, carrier changes, new state programs and more.
Public entities have varying coverage needs that require careful analysis and plan selection. Opting for the package that most appropriately matches existing needs is of the utmost importance to reducing insurance costs. With limited financial resources available at the municipal and local school board level, working with Fairview can reduce your risk, lower your cost, and provide for a more desirable and attractive workplace environment.

Our experience in the public sector began in the 1980s and continues to be a valuable asset for our public clients, as we are one of few companies who have found their market niche in offering this type of coverage. With extensive knowledge of the public sector market place, we help move clients out of the New Jersey State Health Benefits Program to save hundreds of thousands of dollars while enhancing employee benefits and coverage.

The ability to work with public entities to meet their insurance needs distinguishes Fairview from other brokers. What sets us apart is not solely our background in the field of public insurance, but our attention and commitment to serving our customers. Fairview will help you cut through the red tape, make the important calls for you and handle claims on a case-by-case basis to ensure your employee’s benefits needs are consistently met.

We offer a variety of features to our public sector clients including competitive bid obtainment, access to valuable HR tools, employee benefits websites, marketplace and regulation reviews, claims mediation, toll-free customer service, employee education and various other services that will address your comprehensive coverage needs with quality customer service support.

Fairview’s flexible employee benefits program includes coverage for the following insurance needs:

  • Health Insurance, helping you design a group insurance plan that can include major medical, dental, vision and prescription coverage. We work with you to determine whether to offer traditional indemnity plans, managed care plans, or both. Additionally, we analyze your needs and budget to formulate cost sharing measures between you and your employees; a “cafeteria” approach that provides adequate coverage while saving you money.
  • Disability Insurance, which provides short- and long-term disability coverage to employees who are unable to work. Fairview will help you find affordable disability insurance programs that provide important protection in unfortunate circumstances. This income protects your employees by providing income if they cannot perform their job duties due to disability.
  • Life Insurance, to ensure your employee’s beneficiaries are protected in the most cost-efficient manner. Tragedy can strike at any moment and when these difficult times arise, a life insurance policy will ensure your loved ones are cared for and protected from financial harm. Fairview will analyze your individual needs in choosing the best policy at a fair and affordable price.
  • Long-Term Care Insurance, to assist in covering the high costs of long-term care in a nursing home, assisted living facility or home that are not typically covered by health insurance. When you or your loved ones reach the later stages of life, affordable and quality care is a necessity. Fairview will help plan for these expenses to ensure you and your loved ones receive the attention and care they need.

The high costs of insurance can have a significant impact on the sustainability and viability of your business. Additionally, private sector employees seek out attractive workplaces that offer competitive salaries and benefits. In order to attract and retain quality employees, the types of insurance you offer should be a priority consideration in your business model. Fairview can help you design a superior employee benefits program that can be a valuable resource in developing and growing your business in today’s fast-paced business world.

Fairview’s flexible employee benefits program includes coverage for the following insurance needs:

  • Health Insurance, helping you design a group insurance plan that can include major medical, dental, vision and prescription coverage. We work with you to determine whether to offer traditional indemnity plans, managed care plans, or both. Additionally, we analyze your needs and budget to formulate cost sharing measures between you and your employees; a “cafeteria” approach that provides adequate coverage while saving you money.
  • Disability Insurance, which provides short- and long-term disability coverage to employees who are unable to work. Fairview will help you find affordable disability insurance programs that provide important protection in unfortunate circumstances. This income protects your employees by providing income if they cannot perform their job duties due to disability.
  • Life Insurance, to ensure your beneficiaries and those of your employees are protected in the most cost-efficient manner. Life insurance is also an important business tool as many succession and planning strategies are funded by this type of coverage.

Long-Term Care Insurance, to assist in covering the high costs of long-term care in a nursing home, assisted living facility or home that are not typically covered by health insurance. Employers who offer long-term care insurance are also eligible for tax advantages that can save you money.


Let one of our Insurance Specialists help you get started on your way to savings.

Speak with an associate. Call 800-372-2558.

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Fairview Insurance is a full-service agency working on behalf of individuals, companies and public entities.