Mason McBride Insurance, Troy, MI

As one of Michigan's largest privately owned independent insurance organizations, Mason-McBride Inc. has earned a national reputation for excellence in providing risk management, group benefits, financial and investment services.

Mason-McBride Inc.'s team of highly qualified experts and industry professionals has developed a suite of products and services that address the singular needs of each client and business. With more than a century of combined experience, we are trusted by many of Michigan's premier corporations, both large and small. Mason-McBride Inc. stands for stability, longevity and excellence in an ever-changing world.

VALUES

Mason-McBride Inc. is dedicated to maintaining the industry's highest ethical standards. Independent of products, our team members act with integrity, remaining client-oriented and solution-focused.

SUCCESS

Mason-McBride Inc. believes its success is tied to the success of its clients. That success is created by ...

•Developing long-term, consultative relationships
•Placing client needs and interests ahead of our own
•Challenging existing rules to encourage success
•Assuring objectivity and confidentiality for our clients
•Setting and practicing the highest ethical standards

We advise and deliver insurance and financial services that provide much more than a quick fix. We analyze your risk and create a solid, consultative relationship dedicated to finding the answers and solutions you need to face your insurance and financial challenges and minimize your risks.

As the nation's first and only insurance and financial/investment services provider to earn ISO 9001:2000 certification, we customize insurance, group benefits, risk management, financial and investment services to meet your every need and service expectation.

Industries We Serve

Retail

We've been helping retailers benefit from our proven expertise and specialized product offerings, such as...

Automotive

Managing benefits involves an increasingly complex set of responsibilities. MMC utilizes its experience to help you increase the value you deliver to your plan beneficiaries, as we did for...

Health Care

Healthcare providers have highly specialized needs, and MMC has provided a range of services and consultative support designed with these needs in mind, such as...

Manufacturing and Construction

We deliver the most comprehensive range of services engineered to assist our clients become leaders in their industry and invest in their future. MMC did just that for...

Homeowners, Individuals and families

As the economy changes, clients are more frequently turning to alternative and custom solutions to meet their needs today, protect their assets and to prepare for the future. MMC helps clients make the best use of every opportunity, as we did for...

Small and Family-owned Businesses

Small businesses have highly specialized financial and investment management needs, just like larger corporation. MMC offers particular expertise in helping smaller companies maintain the financial structure necessary to support a growing business, such as we did for...

Professional Service Firms

MMC professionals a single-source solution for insurance, risk management and financial & investment products and services for...

Real Estate

In a rapidly evolving economic environment, it is more important than ever to rely on an experienced provider for your risk management needs, MMC has...

Banks/Financial Institutions

As a dedicated partner MMC has the resources to help financial institutions manage investment risk and realize new opportunities...

FAQS

Q. WHAT MAKES MASON-MCBRIDE, INC. AND MASON-MCBRIDE CAPITAL ADVISORS, LLC DIFFERENT FROM OTHER PROVIDERS OF RISK MANAGEMENT, GROUP BENEFITS OR FINANCIAL SERVICES?
A. Mason-McBride serves its clients with a holistic, solution-oriented approach to risk management and financial services. Because we do not have any proprietary products, we are able to remain client-focused and to design a plan solely in the best interest of the client. Our responsibility as consultants is to guide our clients to the best opportunities available in the marketplace. We assist our clients in formulating a strategy that helps them meet all their risk management and financial goals.

Q. WHAT MAJOR TRENDS SHOULD BUSINESSES EXPECT OVER THE NEXT 12-18 MONTHS?
A. We will continue to witness consolidation of insurance companies. The industry will see continued emphasis on risk and loss control. Employers will experience continuing price/cost pressures from medical providers as well as an increase in program utilization. The availability of Health Savings Accounts creates a new opportunity for employers to restructure their health care programs. We can assist in determining the feasibility of implementing such a program.

Q. HOW OFTEN SHOULD A COMPANY REVIEW ITS INSURANCE AND FINANCIAL SERVICES PROGRAMS?
A. At a minimum, on an annual basis. However, we encourage clients to analyze their programs more frequently as events and exposures dictate.

Q. WHAT ARE THE MOST IMPORTANT ELEMENTS OF A SOUND FINANCIAL AND INVESTMENT PLAN?
A. A thorough integration of a client's legal, tax, insurance and investment strategies ensures a healthy plan that links compatible overall objectives.

Q. WHAT ARE THE ESSENTIAL COMPONENTS OF A SECURE RISK MANAGEMENT SOLUTION?
A. It must identify exposures, analyze the impact of the exposures, diagnose potential treatments, and design solutions compatible with the strategy of the business or individual.

Q. WHAT SHOULD A COMPANY CONSIDER IN DESIGNING A GROUP BENEFIT PLAN?
A. It is imperative to recognize the difference between cost sharing and cost shifting. At a minimum, benefit plans must be compatible with a company's overall human resource and business strategy, and minimize the administrative burden of the plan on the organization.

Q. ARE THERE ANY STEPS THAT BUSINESSES SHOULD BE TAKING TO ENSURE COMPLIANCE WITH UPCOMING LEGISLATION OR NEW FEDERAL REGULATIONS?
A. Changes in COBRA, HIPAA, and the FMLA require constant monitoring by a company's benefits professionals. It is also necessary to keep informed about credit reporting issues. Your benefits consultant can work with you on these issues, as well as opportunities to outsource them.

Q. BESIDES HOME AND AUTO INSURANCE, ARE THERE OTHER TYPES OF PERSONAL COVERAGE THAT SHOULD BE CONSIDERED?
A. As part of a holistic personal risk management program, a number of additional exposures to review include (but are not limited to):

•Life insurance
•Disability
•Excess liability
•Jewelry
•Fine arts
•Long-term care
•Directors & officers for individuals who serve on boards of directors