Insurance Brokers
They might be necessary (especially if you have a lot of employees and you don’t want to spend tons of time handling business details as such) but some are out to get money out of your pocket rather that keeping it from getting out. Insurance brokers are your middlemen in terms of insurance claims, they are knowledgeable of the processes involved and most of all they take care of the claims processing and other time consuming jobs. They should be able to answer most of your questions regarding your claims or rather your employees claims ant should not jump from provider to provider.