Traditional Plan vs. ASO

  • In an Insured plan, all of the risk remains with the insurer
  • In an ASO plan, the policyholder assumes some of the risk

With Budgeted ASO, you pay a fixed amount every month based on your previous claims history. The budgeting process each year is straightforward. Should actual claims exceed the budgeted amount, you are responsible for the deficit. If your claims are less than anticipated, the surplus is yours to keep.

Types of ASO Arrangements

  • Pay As You Go
  • On Deposit
  • Budgeted

Through a budgeted ASO contract, we can help you build a plan tailored to your business objectives, while controlling costs and mitigating risk.