Steven Trott Rhu Rebc Csfs Email and Phone Number

Steven G. Trott has worked within all facets of the insurance industry throughout his 25 year career. Whether it was underwriting self insured plans for large companies to training brokers how to explain the products or providing paid consulting services to a variety of employer entities, Steve has always had his thumb on the pulse of the industry. As an underwriter Steve brings a unique perspective to his clients. He is able to analyze a benefits package by utilizing the skills learned as an underwriter and then develop a course of action that includes developing rates, identifying trends that may be occurring and providing solutions to problems before they become unmanageable. His unparalleled ability to correct and identify runaway expenses in a plan before they occur helps the client avoid potential exposures. With over 25 years of experience specializing in employee benefits, he rarely comes across situations that he hasn't encountered. This unique approach has made Steve one of the most respected benefits consultants in California. Steve and his firm have been retained by hospitals, school districts, municipalities, casinos, Native American governments and private sector employers on many occasions to assist in fixing a program designed by other brokers or consulting companies that have either become ineffective, imploded or become insolvent. Steve's background provides valuable insight into the inner workings of the marketplace, insurance companies and provider networks. His clients are kept abreast of the constant changes in employee benefits. By recommending cost containment options as appropriate, his clients are assured of receiving controlled renewal increases as warranted by actual claims experience; not what the carrier thinks they can pass off to you. Collective bargaining is often a sensitive area that requires experience and objectivity.Specialties: Steve's specialty is taking the most complex details of a fully or partially self-insured plan and communicating those details so that his clients understand every aspect of their benefit package.