Quick Tips for Navigating the Insurance Marketplace

Written by: John Burkhalter, Vice President at AssuredPartners Colorado


The insurance marketplace can be confusing and counterintuitive. To help make sense of the confusion, I’ve put together a quick list of tips to help make the process a bit easier to navigate.


Find a SPECIALIST in your industry to be your Broker.

  • If you are trusting someone to protect your company by placing appropriate insurance products, they should demonstrate that they understand the work you do and the risks you face.
  • Research potential Brokers: Review their LinkedIn account and Website, ask for Referrals, and interview them.


Experiment with deductibles and ask your broker to perform loss modeling to determine how your E-MOD will respond.

  • If your state is a Net Reporting state, like Colorado, this can cause drastic changes to your risk profile.
  • Depending on the size and complexity of your business, ask for creative options for insurance structuring, including recommendations and accompanying explanations.


Determine if your company is eligible for insurance discounts that are available in many states, usually based on implementation of “Best Practices” and safety programs.


Broker Selection is more important and impactful than Marketing.

  • Choosing an insurance Broker you trust and having only them leverage insurance carriers/markets is a far more effective way to ensure competitive pricing and coverage.
  • The “Red Ocean Effect” is created by a marketing blitz, where insurance markets see numerous Brokers “blasting” submissions for the same company.  Markets are much more competitive in controlled and intentional processes, which puts the purchaser at an advantage.


Ultimately, insurance is a tool that, when used correctly, protects your company’s balance sheet and ensures business continuity.  The partner you choose to provide these services and products should earn your business through expertise and be allowed to use all outlets available to put your company at a competitive advantage.

Bryan Wright, EVP Employee Benefits, AIF®, CPFA®

Contact Information

Office: (303) 863-7788
Email: bryan.wright@assuredpartners.com


Bryan brings over 25 years of insurance and qualified retirement plan consulting expertise to his role as EVP – Employee Benefits at AssuredPartners Colorado, including development and direction involving the back office advisory resources for our client’s long term administration, communication, sourcing, and compliance of their retirement plans, employee benefits, and business insurance programs while decreasing the impact on their bottom line. Bryan provides vast expertise in self funded employee benefit programs, commercial insurance and retirement planning for corporations and non-profits. Bryan’s professional career has included working in Asia, Europe and Africa.

He is married to Elizabeth, has 3 boys and lives in the Cherry Creek/Hilltop area of Denver.


Board of Directors – Entrepreneur Organization
Cigna Broker Advisory Council
United Healthcare Regional Advisory Council
Anthem Broker Advisory Council
Past President – SCI Network
Fiduciary Insights 360
Ambassador – Mount Saint Vincent Home
Denver Athletic Club -Budget and Finance Committee
Retirement Plan Advisory Group -Charter Member
National Health Underwriters Association
Colorado Group Health Insurance Association
Colorado Society of Human Resource Management
Association of Legal Administrators


Series 6, 63, 65 Investment Licenses
Life/Health Insurance License
Property and Casualty Insurance License


University of Colorado Boulder – Bachelor of Arts, International Economics
Accredited Investment Fiduciary (AIF®)
Certified Plan Fiduciary Advisor (CPFA®)

Employee Benefits

As a company, you face many employee benefit challenges, including internal resources, time management, employee education, compliance with federal and state legislation, trend increases, pharmacy costs and increased litigation activity. This demanding environment dictates a change in the way you purchase and manage your insurance programs. To compete in your marketplace, you must adopt a total cost of employee benefits management philosophy based on data-driven decisions and globally positioned communications. We specialize in evaluating, negotiating with, and recommending insurers and providers to our clients, and we employ rigorous selection criteria and performance objectives when considering a vendor.

Securing the best insurance package for your business begins with planning. Analyzing all your risks is critical to successful implementation of your insurance plan. AssuredPartners Colorado will partner with you by providing ongoing assistance, consultation and service that will help you control your insurance expenses, choose the best plan to fit your company’s needs and promote health care consumerism.

Our range of value-added services includes delivering you custom solutions for all your health care management needs, including benefit plan analysis, contribution strategies, health & wellness education and training, claims analysis, and developing employee policies and consumer-driven programs.


Compliance Resources

AP CO provides legislative updates and briefs which are crucial in keeping up to date and current on regulatory and compliant issues including health care reform, COBRA, HIPAA, FMLA, Medicare Part D, ADA, state-specific legislation and more.


Employee Benefit Communications

Many employees don’t take full advantage of their benefits because they don’t understand them. AP CO will collaborate with your human resource team to build an employee communication strategy which may include internet options, face to face meetings, and outside experts. We will help educate employees about your benefits and how to best use their plan with a range of materials.


Workplace Wellness

AP CO is committed to helping you implement and improve workplace wellness initiatives that will reduce health care costs and increase employee productivity and satisfaction. AP CO and its partners are experienced in customizing and building programs to maximize return to your organization.


Managing Health Care Costs

Controlling health care costs is achieved through a customized approach to building a program utilizing carrier options and combining this with actuarial, claims and benefit analysis. This information combined with our experienced staff allows the AP CO team to negotiate with carriers and put proper controls in place to maximize the return on your organization.


Plan Design Resources

Choosing the right plan design is vital, both in terms of cost and staying competitive with your recruiting and retention efforts. AP CO provides direct advise, benchmarking detail along with educational articles covering various plan design types and topics.


Education & Training

AP CO employee seminars are designed to help educate employees, promote health care consumerism, and reduce high claim utilization and high-dollar claim expenses. AP CO has a proven team which together with your organization’s internal resources will collaborate to build information and educational seminars aligned with your goals.


International Resources

AP CO draws on internal and external resources to build and manage international benefits programs.  As your organization grows internationally AP CO will continue to build custom solutions to meet your growing needs.

Claire Chavez, EVP Operations

Contact Information

Office: (303) 228-2214
Email: claire.chavez@assuredpartners.com

Professional Profile

Claire Chavez is a 27 year veteran of the employee benefits world, working both inside and outside of this industry.  She started her career in employee benefits with The Wright Group Services, under the founder, Harold Wright, in 1989, leaving in 1995 to work as the Director of Employee Benefits for a large medical organization and managed the employee benefits for a major downtown Denver area law firm.  Claire returned to The Wright Group in 2003.  She has extensive expertise in retirement plans as well as all employee benefits.

Claire is married and has two sons and a daughter. She enjoys skiing, cooking, and taking care of her family.


Colorado Group Insurance Associate (CGIA)


Series 6, 63 Licenses
Life/Health Insurance License


Colorado State University – Bachelor of Arts & Humanities

Commercial Lines

AssuredPartners Colorado (AP CO) is uniquely positioned to meet your organizations property and casualty needs with expertise in dozens of industry classes. We have direct appointments with all major carriers along with representing many niche insurance carriers. AP CO continues to work for our insured to maximize coverage at highly competitive rates. Our range of value-added services includes delivering custom solutions for all your property and casualty needs including plan design, risk analysis, extensive market choices, loss control education and training, and developing consumer-driven programs.

Risk Analysis and Solutions

AP CO engages in discussions and analysis to uncover your company’s risks and works with you to find the most efficient means to transfer risk at all levels including internal procedures, geography of operations, extent of operations, as well as structure of your corporation. Once these insurance plans have been put into place, we continue to work with you to manage your risks as they change.

Local, National and International Capabilities

We have the ability to place coverage locally, nationally and internationally. Coverage needs to adequately match the risks associated with the various states in which your organization operates as well as your organizations international exposure. This includes both direct risks and indirect risks.

Policy Review

We provide a simple to understand, comprehensive review and comparison of existing coverage as well as recommendations for future coverage.


Our team approach to managing your risks and placing coverage is anchored from a team with extensive insurance and underwriting experience. This experience allows AP CO to uniquely understand risks and utilize our team to provide maximum results in both pricing and coverage.

Legislative Briefs and Guides

Summary briefs and communication on insurance changes and updates which impact our clients.

Relationship Management

Clients are assigned a team that jointly manages risk and coverage with a single point of contact.

Insurance Markets

AP CO partners with an extensive list of local and national insurance companies to build property and casualty programs which meet our clients’ needs. In conjunction with these insurance carriers, AP CO builds customized loss control programs, and risk containment programs suitable for our client’s needs.

Loss Control and Safety Management

Loss Control and Safety management professionals can be called upon from both internal and external resources to reduce claims, exposure and provide improve results.


Did you know that as a client of AssuedPartners Colorado, you have the ability to pay your premium online? It’s
as easy as 1-2-3. Simply log in to your client portal account, select pay my bill, enter your information and you are done!
Your account manager will receive notification once payment has been made. No need for you to do anything else. Its
easy, simple and secure.

Our goal is to continue to supply you with outstanding service. By offering you access through APCO360, our
services are not limited by our agency office hours. Your insurance information is available to you at any time via the
internet and mobile devices. We continuously strive to provide outstanding service.

Personal Lines

Personal Lines Image

AssuredPartners Colorado (AP CO) brings you access to the industry’s top carriers, offering premier solutions to a diverse group of clients, including high net worth clients, middle market individuals, and family office structures.

The superior level of individualized, personal service – along with the excellent attention to detail and unwavering dedication to our clients – is the reason so many have remained with us for so many years. With the growing number of insurance choices out there, you have come to the right place. We will provide accurate quotes and thoroughly explain the coverage’s of each policy and help you select the policy that best suits your specific needs.

Our team leverages our carriers’ unique approaches and wide range of sophisticated products to craft tailored and comprehensive insurance programs to best protect our clients’ assets and personal liability.

Personalized Service

We provide:

  • a customized personal risk insurance plan that compliments your lifestyle
  • periodic comprehensive account reviews to adapt your risk plan to your life
  • a complimentary review of your current policies with comprehensive recommendations
  • coverage and knowledgeable service wherever you need it

Personal Risk Management Guidance

Guidance and advice that goes beyond what is expected or can be captured in a policy.

Comprehensive Account Analysis

To ensure that precisely the right coverage is in place to protect all of your unique and broad assets – without gaps or overlaps.

Exceptional Claims Service

Should the worst happen, we will work closely with you to see that your claim is handled promptly and professionally. We’re here to help you every step of the way.

Personal Insurance Products

AP CO covers a full spectrum of personal insurance products for all your needs, no matter how unique. We have extensive knowledge in unique polices and coverage to include:

  • Homeowners insurance
    • Primary
    • Secondary
    • Vacation
    • Condominium
    • Renter’s  
    • Dwelling Fire
  • Automobile Insurance
    • Cars
    • Trucks & Vans  
    • Motorcycles
    • RV
    • Classic Autos
  • Personal Excess Liability
    • Protect your personal assets!  
    • We are able to offer you high liability limits over and above your primary general policy limits
  • Valuable Articles
    • Collectibles
    • Jewelry
    • Fine Arts
    • Musical instruments
    • Furs
    • Silverware
    • Cameras
    • Stamps & Coins
  • Watercraft and more…
    • A wide range of additional programs include insurance solutions for private watercraft
    • Aircraft  
    • Trip cancellations
    • Private staff
    • Family offices
    • Programs to help protect the family

For More Information

If you are interested in learning more or you have any questions, please call 303-863-7788 and ask for our Personal Lines Department.

APCO360 (Online Client Access)

Kimberly Rossi, VP Commercial Lines

Contact Information

Office: (303) 228-2207
Email: kim.rossi@assuredpartners.com


Kimberly oversees the management and service of large commercial accounts and risk management accounts within the agency and has over 18 years experience in the commercial insurance industry. Though she manages all lines of commercial property and casualty she has extensive experience in workers’ compensation having spent eight years as a senior underwriter with Pinnacol Assurance.

Kimberly is married to John and they have a teenage son, Connor. As a family they enjoy martial arts. Kimberly also plays golf and soccer.


Association of Legal Administrators (ALA) – AP CO Membership


Property & Casualty Insurance License
Life/Health Insurance License


University of Colorado – Bachelor of Science, Business Administration
Certified Insurance Counselor (CIC)

Retirement Services

Let our team of retirement professionals guide you.



Objectivity and Attention of an Independent Advisor | Strength and Resources of a National Leader

Plan sponsors place high value on performance and trust in a relationship. That’s what you get with AssuredPartners Colorado (AP CO). AP CO is an independent advisory practice with the back office resources of Pensionmark, which is one of the largest providers of retirement plan consulting in the country. Our intelligence and ingenuity combine to create tangible value for sponsors and participants of qualified and non-qualified retirement plans.

On Benefits to Sponsor

The AP CO retirement advisory team empowers and equips plan sponsors by providing the experience and expertise of a private practice with the back office resources of the nation’s largest qualified plan organization. With the back office running quickly and efficiently, we can concentrate on developing the individualized strategies and relationships specifically tailored to your organization. As a plan sponsor, that translates to the welcomed confidence of:

  • Metrics on investment reviews, plan compliance, fee and service bench-marking
  • Expertise in fund selection, shared knowledge, and applied analysis
  • Non-alignment with any single plan provider for impartial, objective, balanced advising

On Advisor Performance

The AP CO team has been recognized in the retirement plan consulting field by achieving the highest marks, such as the Top 300 Most Influential Advisors, the winner of the 2012 Excellence Award, the winner of the 2013 Excellence Award for plan consulting, along with the 2017 award from the National Association of Plan Advisors for one of the top advisors under the age of 40. Take a look at what our team has to offer:

  • Highest strategic and tactical expertise in the industry
  • Professional energy, efficiency, and effectiveness
  • Inspired to listen, understand, interact in a meaningful way
  • Ability to deliver best practices and execute with discipline
  • Seasoned management team awarded for excellence

On Technology Resources

AP CO maintains full plan accountability through detailed systems and procedures governed by our robust technology platform. When kept closely informed, you are free to concentrate on the needs of workplace populations. Count on these technology benefits:

  • Fiduciary Fitness Program for holistic plan compliance to protect fiduciaries
  • Pensionmark Retirement Group to deliver metrics on fund performance, fund managers, and investments
  • Comprehensive Participant Financial Wellness Program

Knowledge. Expertise. Ingenuity. That’s AP CO Services.

Why do Plan Sponsors prefer AssuredPartners Colorado? Because you can’t put a price on peace of mind.



Pensionmark Financial Group, LLC is an investment adviser registered under the Investment Advisers Act of 1940. Financial Advisors at Pensionmark Financial Group, LLC may also be registered representatives of CapFinancial Securities, LLC (member SIPC).