HNI: Break-Free From Insurance Dependency

Most business leaders aren't in control of their insurance and health care costs.

There's a problem.

Many business leaders have been taught to treat insurance and health care as just a Cost of Doing Business. They've been conditioned to think that there's nothing they can do to impact the annual cost increases they've grown accustomed to.

We approach things a little differently.

We believe that you can take back control. And in doing so, you'll not only have a positive impact on your insurance and health care costs, but many other areas of your business as well.

We do this by using our DE-RISKING Business System to build a multi-year strategy that is accountable for delivering results.

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Results of DE-RISKING

More Control.

As a top performer, insurance companies will fight for the opportunity to work with you. The days of waiting to see who will offer you a quote and how much you're going to pay are over. You're in the driver seat now.

Reduced Insurance Dependency.

When you're confident in the culture and systems that you've put into place, you have the ability to bet on yourself. When you're doing the right things, you should be rewarded for great results.

Better Execution.

At the core of the DE-RISKING Business System is accountability. Nearly all of our strategies, from improving safety to driving cultural change, succeed or fail based on our ability to define performance metrics and measure our progress. Learn more about our thoughts on accountability here.

Client Stories

50% Lower Insurance Costs

Poblocki's Total Cost of Risk (TCOR) is 50% less than the average asphalt company. .

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Culture of Accountability

Paper Transport's culture of safety has allowed them to take more ownership of their risk.

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Do-It-Yourself Guides

AN ENTREPRENEUR'S GUIDE TO DRIVING CHANGE

The best leaders have developed a skill for driving change and moving their company forward.

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HANDBOOK FOR C-SUITE AND RISK MANAGERS

Many trucking executives feel like they don’t have control over their insurance costs. Even when they perform well, insurance companies demand a rate increase.

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HEALTH CARE SURVIVAL GUIDE FOR C-SUITE AND HR LEADERS

Health care is out of control. For most companies, up to 30% of their spend is being wasted. And their employees often don't even appreciate the benefits they are offered.

GET A COPY

Ready to go?

Take a Deeper Dive:

Insurance

Break-free from your insurance dependency.

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Employee Benefits

Put an end to health care insanity.

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About Us

What do you do?

HNI is a performance-driven risk advisor that delivers insurance, benefits, and DE-RISKING strategies.

We work with ambitious leaders to break-free from insurance dependency and boost performance.

What problems do you solve?

We help you break-free from insurance dependency.

Put simply, insurance dependency is the result of a system that was built for the insurance companies - not for you. It is the lack of control you have over your cost of risk, how claims are handled, and everything else in between.

We work to help our clients break-free from insurance dependency by helping them de-risk their business and take back control.

Who do you work with?

We work best with mid-sized organizations that are on a mission to get better and grow. Specifically, we work with the Chief Business Builders – the individuals that have a passion for craftsmanship and building their business.

Although we work in many different industries, our largest industry groups are Transportation, Construction, Manufacturing, and Non-Profits.

Who aren't you a good fit for?

As a risk advisor, we are most successful when we have the opportunity to influence change and drive a long-term strategy with leadership teams.

Business leaders that are reactive and focus on 'low beam' activities, instead of driving towards a better long-term solution, end up frustrated with the lack of progress towards reducing insurance dependency.

Getting insurance quotes is important, but without a higher level strategy to de-risk your business you won't be able to drive down your insurance costs and reduce your dependency on insurance companies.

What makes you different?

In order to de-risk your business, you have to consider more than just safety and risk management. And the age-old 4-step risk reduction process isn't going to cut it either.

Our approach is known as Swarming. Swarming is for the wickedest problems - deep-rooted ones that frustrate leaders and hold companies back. It's an intense, cross-disciplinary collaboration where experts share their unique perspectives and challenge the status quo.

Can you demonstrate the results of your work?

We always strive to measure and quantify the value of our efforts. Our de-risking process includes a periodic 'Progress Report' which measures the results of our work.

Additionally, we've highlighted a few of our clients' stories here.

How big is HNI?

We are 145 people, $31 million in revenue, and $350 million in insurance and health premiums.

How can I reach you?

We have offices in Illinois, Minnesota, and Wisconsin. You can find our contact info here.

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