Your small-business clients are focused on serving customers and protecting their livelihoods. They trust their insurance agent to help them achieve this. Small employers may be unaware of the risks of self-funding employee health insurance plans. P&C agents can help. (Photo: iStock)

Property & Casualty insurance agents should take notice of what's going on in the employer-based health insurance arena. Significant opportunities are emerging as many employee benefits insurance agents are creating risks that only P&C agents can adequately address. Now is the time for P&C agents to stand in the gaps created by their colleagues "across the aisle" in the health care space.

To be fair, group health insurance agents have been experiencing a rough ride for a long time. Health care reform proposals, including the Affordable Care Act, threatened to adversely affect their livelihoods. In addition, they're taking the heat from employers every year when they deliver the bad news about increasing group health insurance premiums.

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