EMPLOYER PROGRAMS
FairShare enables employers to offer their employees better benefits at lower cost while earning 100% of the excess profits.
A Smarter, Fiduciary-Aligned Voluntary Benefits Strategy
FairShare offers a suite of voluntary supplemental insurance programs, including:
- Reduce benefits costs.
- Increase employee retention.
- Operate with transparency and alignment.
FairShare Insurance brings a first-of-its-kind benefits solution to employers — designed for today’s regulatory environment and tomorrow’s scrutiny.
Voluntary Benefits Are No Longer Outside ERISA Fiduciary Responsibility — Are You Protected?
What makes FairShare truly different is the surplus participation model.
Until recently, voluntary benefits were widely viewed as low-risk, employee-paid offerings with minimal fiduciary exposure. That assumption is now being challenged in federal court.
In December 2025, class-action ERISA lawsuits were filed against several national employers and their benefits advisors, alleging that voluntary benefits programs created fiduciary liability due to excessive commissions, poor benefit value, and employer involvement that triggered ERISA oversight. What many organizations believed to be outside the scope of ERISA is now being evaluated under full fiduciary standards.
The landscape has changed. Oversight has expanded. And fiduciary responsibility now extends further than many plan sponsors anticipated.
FairShare Insurance Company was built specifically to reduce these risks — not attempt to explain or defend them after the fact.
We provide a fully transparent voluntary benefits program designed around ERISA fiduciary principles. Our structure removes conflicted commission arrangements and aligns incentives exclusively with employee outcomes. There is no cost to the employer. Employees receive stronger coverage for lower premiums, and 100% of unused premium dollars are returned to benefit employees — creating measurable value, transparency, and defensible fiduciary outcomes.
If you prefer to maintain your current advisor relationships, FairShare works alongside your existing broker or consultant. Our role is not to replace trusted partners, but to provide an independent, fiduciary-aligned solution that strengthens your voluntary benefits strategy and helps ensure it can withstand ERISA scrutiny.
Reduce Your Fiduciary Exposure — Excess Premiums Are Returned to You
You are already offering voluntary benefits. The question is — are they structured to protect your organization and maximize value for your employees?
Under traditional insurance arrangements, carriers often retain a significant portion of employee-paid voluntary benefit premiums as underwriting profit — sometimes up to 50% — while paying substantial commissions. Those dollars leave your program and provide no direct benefit to your employees or organization.
FairShare transforms that model.
Through our innovative reinsurance structure, FairShare reinsures voluntary benefits offered by top-rated carriers to enhance coverage, reduce premiums, and return surplus premiums to your organization.
This creates a no-cost, no-risk funding source that can be used to:
- Enhance existing benefits
- Fund new benefits programs
- Reduce employee medical contributions
- Fund HSA contributions
- Reduce benefit administration expenses
Employees pay less. Coverage improves. Your organization gains a strategic funding mechanism. And your fiduciary position is strengthened.
A Smarter, Fiduciary-Aligned Voluntary Benefits Strategy
- Reduce benefits costs.
- Increase employee retention.
- Operate with transparency and alignment.
FairShare Insurance brings a first-of-its-kind benefits solution to employers — designed for today’s regulatory environment and tomorrow’s scrutiny.
Voluntary Benefits Are No Longer Outside ERISA Fiduciary Responsibility — Are You Protected?
Until recently, voluntary benefits were widely viewed as low-risk, employee-paid offerings with minimal fiduciary exposure. That assumption is now being challenged in federal court.
In December 2025, class-action ERISA lawsuits were filed against several national employers and their benefits advisors, alleging that voluntary benefits programs created fiduciary liability due to excessive commissions, poor benefit value, and employer involvement that triggered ERISA oversight. What many organizations believed to be outside the scope of ERISA is now being evaluated under full fiduciary standards.
The landscape has changed. Oversight has expanded. And fiduciary responsibility now extends further than many plan sponsors anticipated.
FairShare Insurance Company was built specifically to reduce these risks — not attempt to explain or defend them after the fact.
We provide a fully transparent voluntary benefits program designed around ERISA fiduciary principles. Our structure removes conflicted commission arrangements and aligns incentives exclusively with employee outcomes. There is no cost to the employer. Employees receive stronger coverage for lower premiums, and 100% of unused premium dollars are returned to benefit employees — creating measurable value, transparency, and defensible fiduciary outcomes.
If you prefer to maintain your current advisor relationships, FairShare works alongside your existing broker or consultant. Our role is not to replace trusted partners, but to provide an independent, fiduciary-aligned solution that strengthens your voluntary benefits strategy and helps ensure it can withstand ERISA scrutiny.
Reduce Your Fiduciary Exposure — Excess Premiums Are Returned to You
You are already offering voluntary benefits. The question is — are they structured to protect your organization and maximize value for your employees?
Under traditional insurance arrangements, carriers often retain a significant portion of employee-paid voluntary benefit premiums as underwriting profit — sometimes up to 50% — while paying substantial commissions. Those dollars leave your program and provide no direct benefit to your employees or organization.
FairShare transforms that model.
Through our innovative reinsurance structure, FairShare reinsures voluntary benefits offered by top-rated carriers to enhance coverage, reduce premiums, and return surplus premiums to your organization.
This creates a no-cost, no-risk funding source that can be used to::
- Enhance existing benefits
- Fund new benefits programs
- Reduce employee medical contributions
- Fund HSA contributions
- Reduce benefit administration expenses
Employees pay less. Coverage improves. Your organization gains a strategic funding mechanism. And your fiduciary position is strengthened.
You maintain your advisory role.
We support you with the structure, strategy, and execution.
We help you provide your clients with innovative and high value voluntary employee benefits and supplemental insurance programs. Our customizable plan designs come with increased coverage, lower costs for policyholders, and your clients earn 100% of the underwriting profits with no cost or risk.
FairShare helps build your book of business with minimal effort.
On average, our programs* generate 2.5x more premium*, than comparable fully insured programs.
It’s a win-win-win for you, your clients, and their stakeholders! Programs are available for employers, property managers, associations, students, PEOs, retail rewards programs, and more!
- We give you a competitive edge against the competition.
- We handle all the details, and make it easy for brokers, consultants, and captive managers to offer their clients a simple and easy way to increase stakeholder satisfaction and earn additional revenue.
- FairShare and our partners provide program design, underwriting, distribution, marketing, premium collection, customer service, claim servicing, and more
HOW IT WORKS
We help HR departments improve employee benefits with our innovative programs. Regardless of what industry you are in, you can offer your employees compelling benefits and earn all the profits! Profits from ERISA covered benefits can be used to reduce medical premiums or fund new employee programs, as required by ERISA.
Accidental Injury
Critical Illness
Hospital Indemnity
Electronic Device Insurance
Legal Insurance
ID Theft
Limited Medical
Dental/Vision
Group Auto & Home
Home Warranty
Pet Insurance
Custom Programs
Is it easy to implement?
Our award-winning voluntary benefits program helps employers provide employees with better benefits at lower costs. We provide specialized plan designs, unique coverages, while you get 100% of the profits!
Employer Case Study
- We provide program design, underwriting distribution, premium collection, claim servicing, and more.
- We handle the program marketing and make the implementation process seamless and hassle-free.
- We do the work, and you earn 100% of the reinsurance profits.
Want to learn More?
