DBL Center Helps ComTon Convert Self-Insured DBL Clients to Major Carriers at Low Rates
ComTon Inc. in Fairport, NY, specializes in Employee Benefits insurance for organizations with over 200 lives. Serving upstate and western New York, from Rhinebeck to Lake Placid and across the state to Buffalo and Rochester, ComTon has been in business since 1998. “Most of our business is through word-of-mouth and referrals,” says ComTon Principal Gregory D. Singleton.
“One of our biggest compliments is when we have an HR director or a finance person who leaves an organization we’ve worked with and moves to another organization and immediately brings us in,” adds Principal Rob Commisso.
ComTon has carved out a successful niche working with large organizations to provide employee benefits, including DBL / PFL, group life, health insurance, dental insurance, workers’ compensation, short-term and long-term disability, and other voluntary benefits. Unlike many brokers, ComTon offers packages for self-insured businesses and is certified by the state of New York as a third-party administrator of workers’ compensation and DBL / PFL benefits.
As an administrator for self-insured DBL policies, ComTon faced an unusual challenge when PFL was first introduced in the beginning of 2018. “Some of our self-insured clients weren’t necessarily comfortable with the unknown costs of PFL, so they wanted to pursue fully insured options,” recalls Commisso.
That’s when ComTon realized the true benefits of working with The DBL Center as their white-glove, white-label insurance wholesaler. “DBL Center provided us with a lot of help so we could offer our clients options for a fully insured program,” says Singleton. “Because DBL Center has such a big book of business and great relationships with the existing carriers, they were able to get us very good rates for our clients who wanted to move to a different carrier or to go from self-insured to fully insured.”
Singleton reveals that ComTon provided quotes for all their existing clients to transition to fully insured benefits, so that their customers could choose the best path for their situation. The DBL Center expedited the process, shopping around for the best rates.
ComTon clients who decided to switch to a fully insured program reaped the rewards of low rates as well as fast claim payments and the stellar service that ComTon has been known to provide to its self-insured clients for two decades. The DBL Center made it easy for ComTon to quote rates from a variety of carriers, write the policies, and deliver excellent service through top-name carriers capable of writing DBL policies with the PFL rider.
“DBL Center streamlined our quoting process for our DBL prospects and existing clients considering fully insured options,” says Singleton.
“But what it really came down to is the cost,” adds Commisso. “DBL Center was able to help us get better rates than we may have been able to do on our own, with a variety of carriers.”
He continues, “The whole team has been wonderful to work with, very responsive to our questions and our needs, and helpful in offering solutions or ideas we may not have thought of. The DBL Center team is very good about explaining the capabilities of one insurance carrier over another, and of helping us market the benefits of various carriers to our clientele.”
Singleton adds, “I thought we had a great knowledge of DBL coverage here at ComTon, and the DBL Center’s knowledge is as good—if not better—than ours.”