Focus on employees.  This seems to be the theme of 2022 in many aspects of business leadership and there are few areas with greater importance than employee benefits.  Not only are health expenses expected to rise on a per claim basis, but also on an aggregate base with procedures that were delayed over that past two years.  At the same time, employees have high expectations and leverage when it comes to creative and supportive benefit programs. 

As you read through this market outlook consider which of these trends impact your business and how best to address them.  Kraus-Anderson Insurance is honored to provide advice and solutions that are tailored to your business and your employees.