Tagline
Home-feature-_0000_commercialinsight

Insight

Insight is power. We look at your business from every perspective - strategic, cultural, operational, financial - to really understand the challenges and opportunities facing your business.

learn more
Home-feature-_0005_commercialaction

Action

It’s about helping businesses thrive. From insights, we map out actionable steps to allow your firm to capitalize on opportunities and mitigate challenges.

learn more
Home-feature-_0002_commercialresults

Results

In partnership with you, we transform focused action into meaningful results – enhancing your company’s ability to reach its goals. We are committed to helping your business succeed.

learn more
Home-feature-_0004_privateinsight

Insight

Our expertise is fueled by a dedication to discovering the best way to safeguard your interests. And our experience enables us to identify risks and understand your objectives so we can customize policies and services to fit your individual needs.

learn more
Home-feature-_0003_privateaction

Action

We are not satisfied until you’re confident that your personal risks are understood and addressed. JMBI delivers a customized game plan, with options and opportunities tailored to your situation.

learn more
Home-feature-_0001_privateresults

Results

Your objectives are our objectives. So we provide unique solutions and continuous support to attain your personal and financial goals. At JMBI, we work tirelessly to deliver the results you demand.

learn more
Jmb23540_successstory_hospitality_g_220x165 Jmb23540_successstory_hospitality_d_220x165

Client Success Story

Unbundling Workers' Comp and Benefits at Substantial Savings

Situation

JMBI was asked to work on a consultative basis with a food manufacturer to evaluate, analyze and develop workers’ compensation and employee benefits alternatives -- relative to the existing offerings provided by their PEO engagement. This consulting engagement presented several challenges:  1) The PEO was only providing a lump sum, bundled total cost to the client. 2) The PEO was unable to provide the client with their itemized costs attributable payroll taxes, workers' compensation/fees, and employee benefits (including but not limited to health insurance premiums).

Insight

JMBI’s due diligence focused on delineating “line item costs”, which would enhance the client’s ability to evaluate the value and cost effectiveness of the offerings provided by the PEO. While we knew that the meat industry is historically a difficult exposure class due to the products produced, we learned that the client had developed a strong “safety culture and infrastructure”.  Over the past few years, creating and maintaining a “safe workplace” was a priority, which was directly reflected in their reduction in workers’ compensation claims.  This positive trend supported and excellent “story” to be communicated to the insurance carrier marketplace.

Action

There were several factors that enabled JMBI to aggressively market the Employee Benefits and Workers’ Compensation Programs for our client. The JMBI Research and Analytics team evaluated and analyzed the client’s loss history. The results of this analysis reaffirmed the improvement in our client’s insurance claims/loss trends. Equipped with these findings, JMBI provided a very positive story to the insurance marketplace.  In addition, as a result, the following changes - hiring a safety director has enhanced the culture, implementing a corporate safety program and purchasing and moving into a new facility - our client’s performance to continue to improve.

Results

JMBI delivered extremely competitive Worker’s Compensation and Employee Benefits Programs that were “in line with our target pricing” and substantially less that the PEO offerings.  In addition to these substantial savings, our client will derive the additional benefits of HR Technology, greater transparency in the budgetary process and administrative transparency.

View All

Jmb23540_successstory_privateclientcouple_g_220x165 Jmb23540_successstory_privateclientcouple_d_220x165

Client Success Story

Planning for the Future with Long Term Care Insurance

Situation

After doing some significant review of their financial retirement plan, our client and their financial advisor came to us interested in implementing the foundation piece of their retirement planning. The client’s eldest child was in college already and given their circumstances, goals, and in concert with their financial planner, they decided on purchasing both life and Long Term Care (LTC) Insurance.

Insight

JMBI’s embedded expertise in the life and LTC markets along with our access to numerous carriers positioned them well for achieving the best rates possible for their circumstances. Our team also has knowledge regarding the nuances in underwriting someone for these similar yet vastly different types of insurance.

Action

In preparation of our analysis, we identified the most important features that their LTC plan would need, such as the ability to keep up with inflation increases and utilize a shareable bucket of money. Following successful life underwriting, the LTC underwriting initially had different results. However, by having the expertise to gather the necessary information and taking the time to understand their medical history and lifestyles, we were able to refute the initial decision and advocate a more favorable underwriting decision.

Results

By gathering the necessary information and understanding the drivers of our client, we were able to successfully negotiate a competitively priced offer.  Ultimately given their young age, they will be able to double their benefit and expand $1.5 Million of potential benefits into $3 Million at the time they need care.

View All

5 TRENDS SHAPING GUEST EXPERIENCES IN 2015 | 11/07/2014 | The trends that will dominate 2015 look a lot like the trends that dominated in 2014, panelists said during a webinar on Thursday. Mobile, millennials, health and wellness, business travel a... MORE
EQUITY, REFINANCIBILITY, AND HELOC CONCERNS -MORTGAGE MONITOR | 11/07/2014 | Equity got some close scrutiny in the current edition of Mortgage Monitor, a monthly publication of Black Knight Financial Services.  The company used its first and second lien mortgage databa... MORE
THEY’RE NOT MY EMPLOYEES! (AND OTHER MISTAKES EMPLOYERS MAKE) | 11/07/2014 | OSHA is taking a closer look at companies that employ temporary workers. That, combined with the agency’s new recordkeeping requirements, could spell t-r-o-u-b-l-e for employers who hire temp... MORE
SEEING SIMILARITIES TO 2007, CRE INDUSTRY DEBATES WHETHER WE’RE EARLY OR LATE IN CURRENT UPCYCLE | 11/06/2014 | The year 2007 still casts a long shadow over today’s commercial real estate market. Nearly every discussion among commercial real estate pros involving cap rates, investment sales volume, pri... MORE
Jmb_ksacks_g__170x170 Jmb_mhorwitch_g__170x170
Open-quote

At JMBI, we live by the credo "Insight. Action. Results." We approach our clients from their business perspective – by understanding their goals and objectives. Each client develops their own "roadmap", or course of action that considers micro and macro factors – from global economic conditions to sector specific anomalies or client specific situations.

By partnering with our clients, JMBI ensures the risk management plan mirrors and supports their overall strategy. Our strong business perspective supports our clients' management of risk.

Ken Sacks

Co-Chief Executive Officer

Matthew W. Horwitch

Co-Chief Executive Officer