For business owners
The insurance program your company has outgrown is costing you every year.
Empire Financial Solutions builds benefits, life, and commercial insurance strategy for owner-led companies — where a smarter structure shows up as savings instead of another increase.
- Reduce Costs
- Significant savings on premiums
- Better Benefits
- Superior coverage for your team
- Optimized Plans
- Custom strategies, built for you
What we do
Five practices, one operating principle: the owner's outcome.
Group health, rebuilt
Benefits are the second-largest line item. It should behave like one.
We work from traditional fully insured plans through level-funded, self-funded, and carve-out designs. The point isn't novelty — it's control over the three things that drive your spend: how the plan is funded, how claims are managed, and how pharmacy is priced.
- Renewal math shown line by line, not summarized
- Specialty pharmacy and PBM alignment
- Stop-loss layering matched to real claims history
- Designs that target net savings to the employer
How we work
An independent broker with an investor's habit of checking the numbers.
We market your risk, not a single carrier's appetite
Independent access across standard, surplus, and specialty channels — including markets that never reach a single-agency quote sheet.
Owner economics come first
Every recommendation is measured against cash flow, balance sheet, and succession — not against last year's renewal.
We say no when the answer is no
Captives, premium finance, and plan redesigns only work for the right profile. We show the math before the structure.
What a review with us actually looks like.
Discovery
We collect current policies, renewal history, loss runs, and census. One request, no obligation.
Analysis
Exposure data is corrected, gaps are flagged, and we model which structures are genuinely worth pursuing.
Recommendation
You get options with the tradeoffs stated, including the option to keep what you already have.