Middle market employers often invest heavily in property and casualty (P&C) coverage to protect infrastructure, operations, and balance sheets—but ignore the parallel risks tied to workforce strategy. In 2025, that’s a costly oversight. From compliance liabilities to turnover-driven productivity losses, human capital is a risk class in its own right—and should be treated as such.
Key Insights:
- Uninsured exposure through your workforce: ERISA penalties, ADA compliance gaps, DEI-related litigation, and rising mental health claims all pose bottom-line risk.
- Fragmented advisory ecosystems: When P&C, benefits, and HR compliance are siloed, risk management is reactive rather than predictive.
- The hidden ROI of integrated planning: Companies that centralize insurance and benefits strategy often reduce total cost of risk (TCOR), increase retention, and improve EBITDA.
Liberty POV:
As a P&C partner already embedded in your business, Liberty is uniquely positioned to help layer in benefits without complexity. We understand the operational nuances and compliance triggers most brokers overlook.
See how our Employee Benefits strategy integrates directly with your P&C program. Reach out to your Liberty advisor or contact us directly: https://libertycompany.com/contact/
