Services: The broker services we provide are product development and management, program marketing, program financial management, and consulting services (with respect to insurance company and administrator relationships). Since we do not represent the insurance company or the administrators, we work exclusively for our association clients.

Culture: Creekmore Livingston understands the member insurance business from all of the important points of view: member relations, communications, accountability, marketing, technology and underwriting. To this knowledge platform we add a working philosophy based on the best interests of the clients' membership and a strong old-fashioned work ethic. We focus on our work very personally.

Industry Situation: The association insurance industry has consolidated considerably in the last several years, with larger but quite a bit fewer service providers. In the absence of natural growth, industry managers can typically be expected to reduce services and budgets to the lowest level tolerated by their clients. Clients may periodically re-bid their administrative services, but changing broker-administrators only perpetuates the problem.

 

Significance: In the past, it was theoretically possible to consolidate the broker and administrator for greater efficiency. However, past business experience has taught that this is no longer the case. Further, a consolidated broker-administrator arrangement automatically precludes any form of check and balance system. That is how and why Creekmore Livingston is purely an independent broker, so that we can act primarily on behalf of the client and the member, rather than the insurance company or the administrator.