It has been called a no-brainer: Offering clients the opportunity to facilitate their employees’ purchase of auto, homeowners and similar property-casualty insurance products at discounted rates through a voluntary program.

“Almost 95% of your employees need that coverage anyway,” says Donna Rhodes-Joseph, CEO of Rhodes-Joseph Tobiason Advisers, a New York-based benefit consulting firm. “Why not let them get a better deal,” she asks.

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