Stop Loss Insurance Jobs in Florida (NOW HIRING)

Ballator Insurance Group, now a part of Gallagher, is a national insurance organization that provides innovative insurance solutions to niche industry groups. We pride ourselves on cultivating lasting relationships with our clients by understanding their unique needs and providing tailored coverage that supports long-term success.

As part of Gallagher, a global leader in insurance, risk management, and consulting, you’ll be joining a team that’s passionate about helping individuals and organizations thrive.

We are seeking a highly motivated and experienced Benefit Broker Account Manager  to join our team. This role is responsible for managing and servicing a portfolio of large group clients,  including both self-funded and fully insured accounts. The ideal candidate will act as a trusted advisor to clients, providing tailored insurance solutions, ensuring compliance, and delivering exceptional service  to meet their unique day-to-day needs. This position requires a deep understanding of employee  benefits, strong relationship management skills, organization, and the ability to navigate complex  insurance programs. 

Client Relationship Management:

• Serve as the primary point of contact for a portfolio of large group clients, fostering strong, long-term relationships. 
• Understand clients' business objectives, employee demographics, and benefit needs toprovide customized solutions.
• Conduct regular client meetings to review plan performance, address concerns, and discuss strategic recommendations. 

Plan Design and Strategy:

• Collaborate with clients to design and implement comprehensive benefit programs, including self-funded and fully insured plans. 
• Analyze claims data, utilization trends, and financial performance to recommend planadjustments and cost-containment strategies. 
• Stay informed about industry trends, regulatory changes, and emerging benefit solutions to provide proactive advice. 

Stop-Loss Reporting and Management:

• Oversee stop-loss insurance arrangements for self-funded clients, ensuring appropriate coverage levels and terms. 
• Monitor and analyze stop-loss claims activity, including tracking high-cost claimants and aggregate claims performance. 
• Provide detailed stop-loss reporting to clients, highlighting claims trends, reimbursement activity, and potential risks. 
• Collaborate with stop-loss carriers to resolve claims issues, negotiate renewals, and ensure timely reimbursements. 
• Advise clients on stop-loss policy options, including specific and aggregate coverage, attachment points, and contract terms. 

Renewal and Marketing Process:

• Lead the annual renewal process, including negotiating with carriers and vendors to secure competitive rates and terms. 
• Prepare and present detailed renewal proposals, highlighting plan options, cost implications, and recommendations. 
• Manage the marketing of benefit programs to ensure clients receive the best value and coverage. 

Compliance and Regulatory Support:

• Ensure clients' benefit programs comply with federal, state, and local regulations, including ACA, ERISA, HIPAA, and COBRA. 
• Provide guidance on compliance requirements and assist with necessary filings and documentation. 

Vendor and Carrier Management:

• Build and maintain strong relationships with insurance carriers, third-party administrators (TPAs), stop-loss carriers, and other vendors. 
• Coordinate with vendors to resolve service issues, implement new programs, and ensure seamless plan administration. 

Employee Communication and Education:

• Develop and deliver employee communication materials, including benefit guides, enrollment presentations, and FAQs. 
• Conduct open enrollment meetings and provide ongoing support to address employee questions and concerns. 

Team Collaboration:

• Work closely with internal teams, including sales and underwriting, to deliver exceptional service to clients. 
• Mentor and support junior team members, sharing knowledge and expertise.

Compensation:

The target salary range for this position is $50,000 to $70,000 (US Dollar) annually. The actual salary will vary based on applicant’s education, experience, skills, and abilities, as well as internal equity and alignment with market data. The salary may also be adjusted based on applicant’s geographic location.

Required: 

• Bachelor’s degree in business, Insurance, or a related field (or equivalent experience).
• Minimum of 5 years of experience in employee benefits, with a focus on large group accounts (self-funded and fully insured). 
• In-depth knowledge of benefit plan design, funding arrangements, and compliance requirements.
• Strong understanding of stop-loss insurance, including policy structures, claims reporting, and carrier negotiations. 
• Analytical skills with the ability to interpret claims data, stop-loss reports, and financial performance. 
• Excellent communication and presentation skills, with the ability to explain complex concepts todiverse audiences. 
• Proven negotiation and problem-solving abilities.
• Proficiency in Microsoft Office Suite (Excel, PowerPoint, Word) and benefit administration platforms. 
• Active Life and Health Insurance License (or ability to obtain within a specified timeframe).

Preferred:

• Experience working with stop-loss insurance, pharmacy benefit managers (PBMs), and wellness programs. 
• Familiarity with HRIS and benefits technology platforms.
• Professional designations such as CEBS, GBA, or PHR.

Key Compentencies:

• Client-focused mindset with a commitment to delivering exceptional service. 
• Ability to manage multiple priorities and deadlines in a fast-paced environment.
• Strong attention to detail and organizational skills.
• Collaborative team player with a proactive and solution-oriented approach.

#LI-CS4

We offer a competitive and comprehensive compensation package. The base salary range represents the anticipated low end and high end of the range for this position. The actual compensation will be influenced by a wide range of factors including, but not limited to previous experience, education, pay market/geography, complexity or scope, specialized skill set, lines of business/practice area, supply/demand, and scheduled hours. On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. 

Below are the minimum core benefits you’ll get, depending on your job level these benefits may improve:

• Medical/dental/vision plans, which start from day one!
• Life and accident insurance
• 401(K) and Roth options
• Tax-advantaged accounts (HSA, FSA)
• Educational expense reimbursement
• Paid parental leave

Other benefits include:

• Digital mental health services (Talkspace)
• Flexible work hours (availability varies by office and job function)
• Training programs
• Gallagher Thrive program – elevating your health through challenges, workshops and digital fitness programs for your overall wellbeing
• Charitable matching gift program
• And more...

**The benefits summary above applies to fulltime positions. If you are not applying for a fulltime position, details about benefits will be provided during the selection process.

We value inclusion and diversity

Click Here to review our U.S. Eligibility Requirements

Inclusion and diversity (I&D) is a core part of our business, and it’s embedded into the fabric of our organization. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work.

Gallagher embraces our employees’ diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest.

Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as “protected characteristics”) by applicable federal, state, or local laws.

Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.

Required: 

• Bachelor’s degree in business, Insurance, or a related field (or equivalent experience).
• Minimum of 5 years of experience in employee benefits, with a focus on large group accounts (self-funded and fully insured). 
• In-depth knowledge of benefit plan design, funding arrangements, and compliance requirements.
• Strong understanding of stop-loss insurance, including policy structures, claims reporting, and carrier negotiations. 
• Analytical skills with the ability to interpret claims data, stop-loss reports, and financial performance. 
• Excellent communication and presentation skills, with the ability to explain complex concepts todiverse audiences. 
• Proven negotiation and problem-solving abilities.
• Proficiency in Microsoft Office Suite (Excel, PowerPoint, Word) and benefit administration platforms. 
• Active Life and Health Insurance License (or ability to obtain within a specified timeframe).

Preferred:

• Experience working with stop-loss insurance, pharmacy benefit managers (PBMs), and wellness programs. 
• Familiarity with HRIS and benefits technology platforms.
• Professional designations such as CEBS, GBA, or PHR.

Key Compentencies:

• Client-focused mindset with a commitment to delivering exceptional service. 
• Ability to manage multiple priorities and deadlines in a fast-paced environment.
• Strong attention to detail and organizational skills.
• Collaborative team player with a proactive and solution-oriented approach.

#LI-CS4