Business Details
Your Trusted Insurance Consulting Partner
At 28 Insurance Group, we challenge the status quo of the insurance industry by creating complete transparency in a traditionally opaque system. Our core philosophy centers on analyzing forward-thinking strategies and guiding employers toward innovative opportunities in the insurance process through our proprietary Strategic Assessment Process. This methodology enables employers to identify unknown risks within their employee benefits and workers compensation programs while exploring alternative financing options, resulting in tailored solutions that ensure the lowest possible premiums and optimal renewals. Founded on principles of integrity, hard work, and client service focus, our team of industry experts delivers resourceful, creative, and assertive solutions tailored to each client's unique needs.With over 24 years of combined experience in employee benefits and commercial insurance, our leadership team has reshaped how organizations approach risk management across the United States. We empower businesses to optimize their insurance programs while maintaining strict compliance with ACA/ERISA regulations and leveraging cutting-edge strategies in healthcare financing through our exclusive Employee Benefits Captive - the largest in the nation. Our commitment to excellence extends beyond cost savings, focusing on long-term sustainability and complete client empowerment in their insurance decisions.
Services
Employee Benefits
Workers Compensation
Home Insurance
Auto Insurance
ERISA Bonds
Liability Coverage
Risk Assessment
Claims Management
Safety Training
Highlights and features
- We offer over 24 years of expertise in employee benefits insurance consulting
- Our Strategic Assessment Process identifies hidden risks in insurance programs
- We provide access to the largest Employee Benefits Captive in the United States
- Our team includes a Professional Workers Compensation Advisor (PWCA) designation holder
- We combine transparency with alternative financing options for optimal savings
What people say
Made the process so easy
Explained every step
Best decision ever made
Highly recommend
Services
Employee Benefits
Our Employee Benefits Risk Analysis provides strategic assessment for optimizing healthcare programs while minimizing financial risks. This data-driven process ensures employers pay the lowest possible premiums, secure better renewals, and maintain compliance with ACA/ERISA regulations. Through our exclusive Employee Benefits Captive - the largest in the United States - we offer tailored solutions combining fully insured, self-insured, and captive program options with access to all major health insurance carriers.
Workers Compensation
Our Workers Compensation assessment delivers comprehensive risk management solutions for businesses of all sizes. The process includes claims management, safety training, employment practices liability, and X-Mod review to ensure optimal premium costs. With expertise in general liability, group auto insurance, and audit analysis, we help employers pay the lowest possible premiums while maintaining complete compliance and avoiding business-ending risks through customized insurance strategies.
Home Insurance
Our Home Insurance solutions provide comprehensive protection for residential properties against interior/exterior damage, personal asset loss, and liability claims. We offer competitive rates with coverage options including dwelling protection, other structures, medical coverage, additional living expenses, and personal property protection. Our professional agents help clients secure policies that meet lender requirements while providing flexible payment options and potential discounts for qualified homeowners.
Auto Insurance
Our Auto Insurance policies provide customizable protection for vehicle owners against accident-related damages and liabilities. Coverage options include bodily injury liability, property damage liability, medical payments, uninsured motorist protection, collision, and comprehensive coverage. We offer quick online quoting and help clients understand state requirements while identifying potential discounts based on driving history, vehicle type, and coverage needs.
ERISA Bonds
Our ERISA Fidelity Bond solutions protect employee benefit plans from losses due to fraud or dishonesty by plan officials. We provide bonds meeting ERISA requirements of 10% of plan assets (minimum $1,000, maximum $500,000) with streamlined underwriting. The process includes application assistance, competitive pricing, and digital delivery of approved bonds to ensure compliance with federal regulations governing retirement plan fiduciaries.
People
Mark Karlie
President & Partner
President and Founding Partner with 24 years of employee benefits expertise, specializing in business finance and health insurance innovation. Leads strategic direction while maintaining ProVisors membership for industry collaboration.
Casey Kolb
Vice President & Partner
Vice President of Workers Compensation with 15 years of commercial insurance experience, holding PWCA designation and active SRBX membership. Specializes in risk management solutions for construction and business sectors.
Questions
How does your Strategic Assessment Process work?
Our Strategic Assessment Process identifies hidden risks in employee benefits and workers compensation programs while analyzing alternative financing options to create tailored solutions that reduce premiums.
What insurance services do you offer?
We provide employee benefits consulting, workers compensation, home insurance, auto insurance, and ERISA fidelity bonds with customized risk management solutions for businesses and individuals.
How can I get an insurance quote?
Request free quotes online for home or auto insurance by answering basic questions about your property or vehicle, or contact our consultants for commercial insurance assessments.
What is an ERISA fidelity bond?
An ERISA fidelity bond protects retirement plans from losses caused by fraud or dishonesty by plan officials, required for those handling plan funds with coverage up to $500,000.
Do you serve clients nationwide?
Yes, our insurance solutions and consulting services are available to businesses and individuals across the United States through our network of professional consultants.
