Mployer Advisor

Find Top Insurance Brokers In Kentucky

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Mployer Advisor independently rates each insurance advisor using a proprietary score called an “M Score”.
An advisor cannot pay to influence their score.

Houchens Insurance Group - Elizabethtown

Houchens Insurance Group - Elizabethtown

Elizabethtown, Kentucky

We are a full service insurance agency that has been providing insurance consulting and expertise to businesses and individuals for over 40 years. We offer a full range of brokerage and consulting ser...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Property Casualty, Workers Compensation, Voluntary Insurance, Liability, Retirement

251-1,000, 11-50, 51-100, 2,501+, 101-250, 1,001-2,500, 1-10

Houchens Insurance Group - Elizabethtown

Houchens Insurance Group - Elizabethtown

Elizabethtown, Kentucky

mScore

Score

Proprietary rating

5/5

We are a full service insurance agency that has been providing insurance consulting and expertise to businesses and indi...

Jenpale LLC - Louisville

Jenpale LLC - Louisville

Louisville, Kentucky

Jenpale LLC is a full-service employee benefits firm that finds innovative solutions for companies of all sizes. Jenpale LLC specializes in health, life, disability, dental, and vision insurance.

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance

1-10, 101-250, 11-50, 51-100

Jenpale LLC - Louisville

Jenpale LLC - Louisville

Louisville, Kentucky

mScore

Score

Proprietary rating

5/5

Jenpale LLC is a full-service employee benefits firm that finds innovative solutions for companies of all sizes. Jenpale...

Houchens Insurance Group - Bowling Green

Houchens Insurance Group - Bowling Green

Bowling Green, Kentucky

We are a full service insurance agency that has been providing insurance consulting and expertise to businesses and individuals for over 40 years. We offer a full range of brokerage and consulting ser...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Property Casualty, Workers Compensation, Voluntary Insurance, Liability

101-250, 51-100, 251-1,000, 11-50, 1,001-2,500, 1-10

Houchens Insurance Group - Bowling Green

Houchens Insurance Group - Bowling Green

Bowling Green, Kentucky

mScore

Score

Proprietary rating

5/5

We are a full service insurance agency that has been providing insurance consulting and expertise to businesses and indi...

Se7en Strategies

Se7en Strategies

Florence, Kentucky

Seven Strategies is an employee benefits leader in the tri-state area. Our mission is to transform the client experience by providing a greater depth of tools and resources, education, innovative thin...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance, Retirement

11-50, 1-10, 51-100

Se7en Strategies

Se7en Strategies

Florence, Kentucky

mScore

Score

Proprietary rating

5/5

Seven Strategies is an employee benefits leader in the tri-state area. Our mission is to transform the client experience...

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HollandStivers Employer Solutions

HollandStivers Employer Solutions

Paducah, Kentucky

We have been providing insurance, investment, and employee benefit solutions to our clients for over 20 years. Our goal has been to find innovative and impactful ways to solve your greatest business a...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Property Casualty, Workers Compensation, Voluntary Insurance

1-10, 51-100, 251-1,000, 101-250, 11-50, 1,001-2,500

HollandStivers Employer Solutions

HollandStivers Employer Solutions

Paducah, Kentucky

mScore

Score

Proprietary rating

5/5

We have been providing insurance, investment, and employee benefit solutions to our clients for over 20 years. Our goal ...

Group Benefit Systems, Inc.

Group Benefit Systems, Inc.

Bowling Green, Kentucky

We have been providing benefits consulting to businesses of all sizes since 1978. Today we continue the same commitment to customer loyalty, customer service, and putting the client first. We provide ...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance

251-1,000, 1,001-2,500, 101-250, 51-100, 11-50, 2,501+

Group Benefit Systems, Inc.

Group Benefit Systems, Inc.

Bowling Green, Kentucky

mScore

Score

Proprietary rating

5/5

We have been providing benefits consulting to businesses of all sizes since 1978. Today we continue the same commitment ...

Houchens Insurance Group - Crestview Hills

Houchens Insurance Group - Crestview Hills

Crestview Hills, Kentucky

We are a full service insurance agency that has been providing insurance consulting and expertise to businesses and individuals for over 40 years. We offer a full range of brokerage and consulting ser...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Property Casualty, Workers Compensation, Voluntary Insurance, Liability, Retirement

2,501+, 51-100, 1-10, 101-250, 11-50, 1,001-2,500, 251-1,000

Houchens Insurance Group - Crestview Hills

Houchens Insurance Group - Crestview Hills

Crestview Hills, Kentucky

mScore

Score

Proprietary rating

5/5

We are a full service insurance agency that has been providing insurance consulting and expertise to businesses and indi...

Houchens Insurance Group - Lexington

Houchens Insurance Group - Lexington

Lexington, Kentucky

We are a full service insurance agency that has been providing insurance consulting and expertise to businesses and individuals for over 40 years. We offer a full range of brokerage and consulting ser...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Property Casualty, Workers Compensation, Voluntary Insurance, Liability, Retirement

11-50, 1-10, 51-100, 101-250, 251-1,000, 1,001-2,500, 2,501+

Houchens Insurance Group - Lexington

Houchens Insurance Group - Lexington

Lexington, Kentucky

mScore

Score

Proprietary rating

5/5

We are a full service insurance agency that has been providing insurance consulting and expertise to businesses and indi...

The Underwriters Group

The Underwriters Group

Louisville, Kentucky

The Underwriters Group is a regional insurance brokerage firm serving several areas, with a local office in the Louisville region. The Underwriters Group has been providing quality insurance products....

mScore

Score

4/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance, Retirement

51-100, 101-250, 251-1,000, 1,001-2,500, 2,501+

The Underwriters Group

The Underwriters Group

Louisville, Kentucky

mScore

Score

Proprietary rating

4/5

The Underwriters Group is a regional insurance brokerage firm serving several areas, with a local office in the Louisvil...

Energy Insurance Agency

Energy Insurance Agency

Lexington, Kentucky

Energy Insurance Agency Lexington is a regional insurance broker that first opened its doors in 1982. The Energy Insurance Agency offers comprehensive insurance and employee benefits for individuals, ...

mScore

Score

4/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance, Retirement

1-10, 11-50, 51-100, 101-250, 2,501+

Energy Insurance Agency

Energy Insurance Agency

Lexington, Kentucky

mScore

Score

Proprietary rating

4/5

Energy Insurance Agency Lexington is a regional insurance broker that first opened its doors in 1982. The Energy Insuran...

Central Insurance Services

Central Insurance Services

Lexington, Kentucky

Central Insurance Services has been providing insurance for over 20 years to medium size businesses in the Lexington-Fayette, KY Metro Area. They offer medical insurances, voluntary benefits and other...

mScore

Score

4/5

Proprietary rating

Service focus:

Employer size expertise:


51-100, 101-250, 251-1,000, 1,001-2,500, 2,501+

Central Insurance Services

Central Insurance Services

Lexington, Kentucky

mScore

Score

Proprietary rating

4/5

Central Insurance Services has been providing insurance for over 20 years to medium size businesses in the Lexington-Fay...

Preferred Benefits

Preferred Benefits

Louisville, Kentucky

Preferred Benefits offers medical insurance, voluntary benefits, and other services for all sizes of employers in the Louisville-Jefferson County, KY-IN, Metro Area. Each year, the Louisville-Jefferso...

mScore

Score

4/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability

51-100, 101-250, 251-1,000, 1,001-2,500, 2,501+

Preferred Benefits

Preferred Benefits

Louisville, Kentucky

mScore

Score

Proprietary rating

4/5

Preferred Benefits offers medical insurance, voluntary benefits, and other services for all sizes of employers in the Lo...

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Insider Information For Employers

CMS Extends Vaccination Deadline for Healthcare Workers in 25 States

In Employment Situation

Editor’s Note: News and updates surrounding COVID-19 vaccination mandates continue to evolve rapidly. Check back for news on the Mployer Advisor blog as developments unfold. For state-specific guidance, please refer to OSHA’s site here.   On January 13, 2022, the U.S. Supreme Court upheld the Center for Medicare and Medicaid Services (CMS) rule, which required the vaccination of all healthcare workers at CMS-covered facilities. The CMS mandate is expected to cover more than 10.4 million healthcare workers across 76,000 facilities nationwide.  The CMS ruling came on the same day as the court ruled to block the Biden administration’s Occupational Safety and Health Administration (OSHA) vaccine mandate that targeted large employers. Previously, the OSHA mandate required that businesses with 100 or more employees implement a vaccination requirement for workers or require a weekly testing alternative.  Because the CMS rule was paused during litigation, the federal government extended the COVID-19 vaccination deadline in 24 states. According to guidance from CMS, workers now have until February 14 to receive their first COVID-19 dose and must be completely vaccinated by March 15.   These revised deadlines apply to the following states:  * Alabama  * Alaska  * Arizona  * Arkansas  * Georgia  * Idaho  * Indiana  * Iowa  * Kansas  * Kentucky  * Louisiana  * Mississippi  * Missouri  * Montana  * Nebraska  * New Hampshire  * North Dakota  * Ohio  * Oklahoma  * South Carolina  * South Dakota  * Utah  * West Virginia  * Wyoming   Texas officials challenged the CMS directive, which a federal district court dismissed on January 20. As such, Texas healthcare workers must now receive their first vaccine dose by February 22 and be fully vaccinated by March 21.   Compliance timelines were not affected for healthcare providers in the District of Columbia, U.S. territories, or the remaining 25 states that did not challenge the mandate.   Compliance Standards and Enforcement  According to a recent post from the Society for Human Resources Management (SHRM), the CMS vaccination requirement applies to all healthcare workers at CMS-covered facilities, even if those employees do not have contact with patients or clinical responsibilities.   What’s more, staff members who work remotely but still have some contact with other staff members–such as in-person staff meetings or at worksites–must also comply. Only staff who perform all their duties remotely are exempt from the vaccination mandate.   According to guidance from CMS, “Facility staff vaccination rates under 100 percent constitute noncompliance under the rule.” However, CMS clarified noting that “Noncompliance does not necessarily lead to termination [from the programs], and facilities will generally be given opportunities to return to compliance.”  The Centers for Disease Control and Prevention (CDC) defines a fully vaccinated person as an individual who has two doses of the Pfizer or Moderna vaccine, or one dose of the Johnson & Johnson vaccine. The CDC recommends that eligible individuals receive a booster shot in addition to their primary vaccine, however a booster is not required under the CMS rule.   The CMS mandate also requires employers to track employees’ vaccination status, including creating a policy to record religious or medical exemptions and employee accommodations.   Unsure of how to navigate the ongoing uncertainty caused by the evolving COVID-19 pandemic? Register now for Mployer Advisor’s upcoming webinar “COVID-19 Compliance in the Workplace: Strategies for Success in Uncertain Times.”   Looking for more exclusive content? Head over to the Mployer Advisor blog, or click here to read four industry leaders’ top employee benefits predictions for 2022.  

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Industry Leaders Predict 2022's Top Employee Benefits Trends

In Employee Benefits, Voluntary Benefits

In 2021, employers across the nation were forced to rethink best-in-class strategies on how to recruit and retain top talent.   Between the evolving challenges left in the wake of the COVID-19 pandemic, including the gaps left in the workforce from the Great Resignation, employers are rethinking benefits plan designs and how to diversify offerings. What's more, the unemployment rate for January hit 3.9%, a new low and the first time it's dipped below pre-pandemic levels since February 2020.   If increasing or filling gaps in your workforce is a top goal this year, remember that it's vital to assess employee needs and wants continuously. So, what employee benefits will rank highest in importance for employees in 2022?   Mployer Advisor recently spoke with four renowned employee benefits leaders and asked for their top employee benefits predictions for 2022. Below are their responses:   DEREK WINN: BENEFITS CONSULTANT, BUSINESS BENEFITS GROUP  Top predictions: Lifestyle accounts "We anticipate employers will develop their own unique, innovative solutions in 2022; this will enhance flexibility, empathy, and added compensation. One example includes lifestyle accounts, where employers have the advantage of streamlining various benefits together, such as wellness incentives; catered meals or snacks; home office equipment; cell phone and internet reimbursements; and more into an easy-to-use platform for reimbursement."   AARON EATON: DIRECTOR OF SALES, EMPLOYEE HEALTH AND BENEFITS, MARSH MCLENNAN AGENCY Top predictions: Hospital indemnity and student loan benefits "COVID–and its ever-changing viral composure– illustrated to the masses how costly hospital stays could be, especially if admitted to the ICU. Whereas worksite products, such as hospital indemnity, were traditionally looked over by mainstream buyers, its true benefit and how it can help has been forced into the spotlight. We have entered into an era where the increase in hospital stays makes the fear of hitting out-of-pocket maximums a foregone conclusion, if and when admitted. In 2022, we will likely see a highly educated buyer who understands the risk and reward of a product like a hospital indemnity to protect their pocketbooks. Two years ago, student loan benefits were the fastest-growing employee benefit, and I predict that we will see a resurgence of this trend as employers are desperate to retain staff and recruit new blood. The cultural effect that a student loan benefits program has can be profound, especially from a multigenerational perspective. College graduates, mid-career professionals, experienced employees to pre-retirees, each can take advantage of this benefit if set up correctly. When an organization offers to help an employee pay down their debt–whether that be their own or their children's or grandchildren's–you then have a benefit that strengthens that employee's loyalty and feeling of belonging."    HEATHER GARBERS: VP VOLUNTARY BENEFITS, HUB INTERNATIONAL Top predictions: Permanent life insurance "Many of our clients have been impacted by the Great Resignation, and voluntary benefits can be a cost-effective way to build a more robust benefits offering. Specific voluntary benefits I expect to trend, include permanent life insurance and critical illness.  Workplace sales of permanent life insurance jumped 75% through Q3 2021 over 2020. Many group term life policies are only effective when the insured is actively at work. This resulted in many employees losing coverage in 2020 and 2021 if they were furloughed or laid off.  Workplace sales also increased 11% as many carriers have an infectious disease benefit that would create a payout for complications from COVID and other cardiovascular or cancer conditions." BRIAN ALEXANDER: DIRECTOR OF CONSULTING, EMPLOYEE BENEFITS, HUB INTERNATIONAL  Top predictions: Total compensation focus "In 2022, with a focus on attracting and retaining talent, employers will review all aspects of their employee offerings. This includes salaries, leave policies, work-from-home policies, benefits offering, and more.   Too often benefit plans have lacked a thoughtfulness, intentionality, and alignment to the organization's objectives and intended audience. As the talent market and budgets tighten, I suspect employers to re-evaluate their benefits offerings and ask these three main questions:  * Whom does this benefit serve, and how does that align with my employee population?  * Does this benefit increase my value to employees?   * Was this benefit designed with ease of understanding and employee value in mind?" With these predictions in mind, what changes–if any–will you implement into your comprehensive employee benefits package in 2022?  Looking for related content? Read our 3 most attractive categories of employee benefits and 5 strategies to retain your company's top talent over on the Mployer Advisor blog.  

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For Employers

1

CMS Extends Vaccination Deadline for Healthcare Workers in 25 States

In Employment Situation