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Welcome to Modern Concepts Insurance Marketing, Inc.
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Modern Concepts Insurance Marketing Incorporated has been a mainstay of the Southern California business insurance marketplace for 30 years. With a reputation for dynamic service, creatively designed Employee Benefit and Work Comp programs, and state-of-the-art funding arrangements that help companies save premium dollars, Modern Concepts is a world class provider of insurance products for the workforce and all business needs.
Whether your Employee Benefits needs are for Medical, Dental, Disability, Life, EAP, 401(k) or Sec 125 programs, Modern Concepts has the product, and solution for your needs. We offer a tremendous variety of HMO, HSA, PPO and EPO Programs, with co-pays and inpatient deductibles and Rx coverages that range from little out of pocket, to a complete transfer of risk. Every Company has different needs, and we tailor a Medical Program to solve your specific needs. We understand the Employee Benefits market as well as any consultant, broker, or agent anywhere, and work with over 150 insurance carriers nationwide.
We also design, implement and administer self-funded medical, dental, and disability plans for Corporations who want cash flow savings funding arrangements, and discounted claims costs. Whether you want a zero deposit funding arrangement, or a year-end dividend or retrospective refund of premiums, we have the programs in place, and use them often for forward thinking clients. Please check with us to determine if you qualify for these types of advanced employee benefit plans.
In addition, we offer a complete Workers' Compensation Program that begins with a properly priced program, a complete review of your open claims, and ends with our Fraud Control Unit. Our Workers Comp package offers you the most competitively priced payroll class codes available nationwide, and may feature a retro, dividend or fully funded plan. Once your Workers Comp plan is in place, every claim is analyzed immediately by our Fraud Control Unit, with the recommendation to either deny it or pay it. Our Fraud Control Unit has a goal to protect your assets, therefore any open claim will be closed as quickly as possible, whether litigated or not, through denial or a lump sum settlement. Time is critical here, as open claims only cost you money. Unlike claims adjustors at most insurance companies, we work for you, and strive to close claims as quickly as they are incurred.
Our Fraud Control Unit has been fabulously successful in lowering our clients X-MOD’s through eliminating open claims. In fact, some of our clients X-MOD’s have fallen -25% in just one years time! in addition, we have a Loss Control Expert who will tour your business, make suggestions that can reduce claims frequency (which is a key measurement in the rating of renewals) and working in tandem with our Fraud Unit, can guarantee all future claims will be kept to an absolute minimum.
Modern Concepts also offers a Dedicated Service Representative to help with each new account, complementing the insurance carrier’s effort, and a 24/7 Call Center that allows your employees to call us directly with their issues and problems, thereby saving you valuable downtime. We also help clients with their billing, adds and deletes, audit monthly premiums, and enroll or terminate employees on-line. We act as the Human Resources Department for many companies who have none, and help new employees solve problems, find providers, and explain Cobra rights and HIPAA needs to terminated employees. We have a solution for every administrative need. Just tell us what you have, and what you would like. We will make it happen.
When it comes to insuring our clients factories, office buildings, or shopping malls, we have the products, and the answers. If you are a start up, or a small employer, our Business Owners Packages (BOP) can cover all your Property, Casualty and Liability needs as you grow to ,000,000 in annual revenues. Above this level, we have full blown plans with significant umbrella coverage, blanket coverages of all risks, developed and sold with your needs in mind. Whether you need to protect your facility, intellectual rights, copyrights, vehicles, or protect the owners, officers, and directors from personal liability lawsuits, again we have a full stable of products waiting for your use.
One of the keys to our success has been our attitude and respect for our clients efforts, as seen in our Client/Partnership Philosophy. We respect the effort of our clients, and realize how tough it is to survive in this economy and retain hard working, productive employees. Costs of energy, labor, insurance, taxes, and lawsuits are never ending, always rising. Competition is fierce, worldwide, and always looking for ever cheaper ways of making your product. Most companies survive through hard work and personal relationships developed over many years with vendors, purchasers, brokers, CPA’s, and attorneys. But they also survive based on improving productivity, a skilled laborforce, new and more efficient equipment, and an insurance broker who works on their side.
Our relationship with you, our clients, is based on your never-ending quest for lower fixed costs – especially insurance costs. Our goal is to lower, and consistently stabilize your insurance costs, while providing the maximum level of service you need to successfully run your business. As long as we can help you by pricing your insurance at affordable levels, and working with your employees to save you valuable downtime, our partnership will be successful for both parties – you and Modern Concepts. Time is money, and money is the key component of your company’s survival and growth. We have already saved many, many companies time and money – why not you?
If you believe your company shares our philosophy of affordable, high quality, highly efficient Benefit and Workers Comp Programs, then we want you to contact us (register or call) now and set up an appointment so we can begin working on a solution for your specific needs TODAY.
Modern Concepts is proud to offer a full selection of insurance products, including:
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