At Young Risk Management, our client-first approach shapes every solution, ensuring personalized service for businesses and individuals in Texas. With 14 years of trusted expertise since 2011, we design group benefits, like level-funded plans with $500 deductibles and Direct Primary Care, to cut costs by up to 30% while maximizing coverage. Our business insurance—including general liability and workers’ compensation—secures your operations with carriers that stand behind their coverage. Our PEO and HR services, from co-employment to compliance, streamline your success. Our individual plans, such as Cash Pay Options, deliver customized coverage for your unique needs.

Data-driven strategies to optimize your benefits and minimize risks.

Proven results through customized plans and dedicated support.

Comprehensive benefits and insurance for manufacturing businesses.

Innovative solutions for tech companies to attract and retain talent.

Specialized coverage for data centers and IT infrastructure.

Customized benefits for healthcare professionals and organizations.

Risk management and employee benefits for financial firms.

Robust insurance and benefits for construction companies.

Tailored strategies for unique industry challenges.

Empower employers with innovative medical plans designed to lower premiums, enhance transparency, and deliver robust coverage through options like level-funded plans and ICHRAs.

Reduce premiums with self-funded plans that include stop-loss protection, transparent claims data, and pharmacy management, with potential surplus refunds for cost efficiency.

Offer tax-advantaged health reimbursement arrangements, allowing employees to choose individual coverage while reducing employer costs and administrative burden.

Bridge high-deductible plans with customizable configurations (front-loaded, donut, back-loaded) to enhance affordability and protect employees from out-of-pocket expenses.

Combine telehealth, labs, imaging, and prescriptions into cost-effective membership plans, enhancing employee access to care while minimizing employer expenses.

Provide ACA-compliant plans with essential health benefits and affordable coverage options, ensuring compliance while controlling costs for employers.

Leverage tax credits, deductions, and fee negotiations to significantly reduce your business’s tax burden and operational costs.

Claim Work Opportunity Tax Credits ($2,400–$9,600 per hire) for employing individuals from targeted groups, reducing federal tax liability.

Maximize tax deductions by accelerating depreciation on business assets, improving cash flow for reinvestment.

Offset tax liability with credits for research and development activities, lowering your effective tax rate.

Use Indexed Universal Life (IUL) policies to defer or reduce capital gains taxes, preserving wealth for business owners.

Reduce costs by renegotiating fees for credit card processing, workers’ compensation, and other services, saving thousands annually.

Lower property tax assessments through expert negotiations, reducing your business’s tax burden.

Optimize energy procurement and management to reduce utility costs and improve operational efficiency.

Implement cafeteria plans to allow pre-tax deductions for benefits, lowering taxable income for employees and employers.

Optimize employee-related expenses with high-value benefits and tools to attract and retain talent cost-effectively.

Estimate and optimize employee labor costs with a tool designed to analyze wages, benefits, and productivity.

Offer low-deductible medical plans with minimal employee exposure, enhancing retention while controlling costs.

Provide up to $5,000 in dental benefits with no premium increases, ensuring affordability and comprehensive care.

Support employee wellness with affordable vision and hearing coverage for preventive and corrective care.

Offer cash-value life insurance with living benefits, providing superior value over term life for employees.

Analyze and optimize insurance coverage to reduce premiums while ensuring robust protection against business risks.

Expert guidance to design cost-effective benefits plans.

Tailored compensation packages to attract and retain top leadership.

Customized 401(k) and pension plans to secure employees’ financial futures.

Protects employers from high-cost medical claims with tailored stop-loss coverage.

Comprehensive group health plans to meet diverse employee healthcare needs.

Customized fully insured health plans designed for secondary employers, offering comprehensive coverage to support employee healthcare needs while simplifying administration and ensuring compliance with regulations. These plans provide flexible options tailored to businesses with secondary employer status, balancing cost control with robust benefits to enhance employee satisfaction and retention.

Optional benefits to meet diverse employee needs.

Affordable dental coverage for preventive and restorative care.

Cost-effective vision plans for eye exams, glasses, and contacts.

Financial security for employees’ families with life and accidental death coverage.

Income protection for employees unable to work due to disability.

Supplemental coverage for hospital stays and related expenses.

Coverage for unexpected injuries to support employee recovery.

Specialized insurance to help cover cancer treatment costs.

Financial support for employees facing serious illnesses like heart attack or stroke.

Benefits solutions for employees working internationally.

Simplify COBRA compliance with expert administration and support.

Flexible spending accounts to help employees save on healthcare and dependent care costs.

Manage Health Savings Accounts for employee healthcare savings.

Reimburse employees for qualified medical expenses with HRAs.

Flexible ICHRA plans for employees to purchase individual health insurance.

Tax-advantaged health benefits for small businesses.

Exclusive membership plans for cost-effective healthcare access.

Optimize prescription costs with tailored pharmacy benefits.

Support employee mental health with comprehensive care programs.

Access to urgent care services for immediate employee healthcare needs.

Holistic rewards programs to enhance employee satisfaction.

Initiatives to promote employee health and productivity.

Coverage for third-party bodily injury and property damage.

Protection for your business property and assets.

Support for employee injuries on the job.

Protection against cyber threats and data breaches.

Coverage for professional errors or negligence.

Insurance for business-owned vehicles.

Liability coverage for directors and officers.

Protection against employment-related claims.

Coverage for losses due to employee dishonesty.

Insurance for goods in transit or off-site.

Coverage for damages caused by your products.

Additional liability coverage beyond standard policies.

Efficient payroll management for your business.

Expert guidance on HR strategies and policies.

Ensure adherence to labor laws and regulations.

Programs to enhance employee skills and development.

Support in finding and hiring top talent.

Innovative tools for HR management.

Systems to evaluate and improve employee performance.

Effective tracking and management of employee absences.

Partner with a PEO to share HR responsibilities, reducing administrative burden and compliance risks.

Collaborate with trusted PEO providers to deliver comprehensive HR and benefits solutions.

Partner with CoAdvantage for tailored HR, payroll, and benefits administration services.

Access Kruse & Associates’ expertise in HR outsourcing and employee management solutions.

Leverage Questco’s comprehensive PEO services for streamlined HR and compliance.

Simplify HR with Justworks’ all-in-one platform for payroll, benefits, and compliance.

Efficiently manage employee benefits through PEO partnerships, ensuring cost-effective solutions.

Ensure regulatory compliance with expert PEO support for labor and HR laws.

Mitigate workplace risks with comprehensive PEO risk management solutions.

Secure cost-effective workers’ compensation coverage through PEO partnerships.

Streamline payroll with PEO services for accurate and timely processing.

Custom insurance entities to manage your specific risks cost-effectively.

Shared risk pools for cost savings and stable premiums across industries.

Collaborative liability coverage for businesses with similar exposures.

Expert administration to ensure compliance and optimize performance.

Data-driven analysis to evaluate captive viability for your business.

Protects employees’ homes from damage due to fire, theft, or natural disasters.

Covers personal vehicles with liability, collision, and comprehensive options.

Safeguards employees’ belongings in leased properties against loss or damage.

Provides extra liability coverage to protect employees beyond standard policies.

Ensures financial security for employees’ families in the event of unexpected loss.

Insures high-value items like jewelry or electronics against theft or loss.

Custom 401(k) and pension plans to support employee financial futures.

Personalized investment strategies for employees and executives.

Deferred compensation plans to attract and retain top leadership.

Education programs to improve employees’ financial literacy and planning.

Strategies to ensure smooth ownership transitions for your business.

Protects your business from financial loss due to key employee absence.

Read our latest articles on benefits and insurance solutions.

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Exploring ethical considerations in business and insurance.

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Your trusted partner for innovative benefits and insurance solutions.

Our purpose drives us to deliver exceptional benefits and insurance solutions.

What sets us apart in providing tailored, client-focused services.

Ongoing support to ensure your benefits program thrives.

Meet our experienced team dedicated to your success.

Our journey and milestones over the years.

Recognition for our excellence in benefits and insurance services.

Open roles in sales, consulting, and admin.

Grow with us through ownership opportunities.

Strategic partnerships for expansion.

Hands-on experience for future leaders.

Global presence with local expertise.

Contact our regional teams for personalized support.

Supporting local nonprofits through grants and employee-driven giving programs.

Organizing volunteer opportunities and fundraisers to strengthen community ties.

Secure access to manage benefits, claims, and employee data.

Quickly obtain tailored insurance and benefits quotes online.

Interactive tool to compare and select the best coverage plans.

Explore our comprehensive glossary of benefits and insurance terms.