Tanner Cable CLCS

07/20/2026

At a certain point, it becomes a financial question- not a benefits one.
"How can we financially justify staying fully insured?"

In today's market, fully insured health and benefit renewals are volatile, lack transparency, and can leave employers subsidizing risk they don't fully understand.
Yet some common reasons continue to pop up as to why companies don't explore alternative funding.

1. We only got a 5% increase being fully insured.
Good, but that just means the insurance carrier made a LOT of money off of you. You do not belong in the fully insured market and paying for more than you are getting. Often times companies wait until SHTF, and now what? Now you went from being better than your peers, to a group having problems looking for a last-ditch effort.

2. "We're not a fit."
According to who? Can your broker show you:
Your high-cost conditions?
Your pharmacy spend?
Your projected costs?
Where your healthcare dollars actually went?
Market benchmarks and trends?
What you are paying compared to others like you?

If the answer is no, how can anyone confidently say you're "not a fit"?
More importantly, if you truly aren't a fit today, what's the strategic plan to become one? You cannot monitor what you cannot see.

3. "We are scared of entering and having a big claim."
And you're not scared of that in the fully insured market?

Let's imagine someone on your plan gets a rare sickness. You get a 40% increase next year, and the year after that, the claims drop and the employee is healthy. Come renewal time, do you think the FI market is going to say, "Oh, sorry. You are healthy now; we will give you that 40% increase back....HA!

The beauty of self-funding is that each year starts over. You are in control, the losses are capped, you are protected, and if that does happen you have already planned for it.

In today's environment, "We are not a fit" isn't an answer without proof—it's a guess that should have been backed by data. Not an assumption. Not a habit. Not because "We tried it a few years back."

The decisions start with understanding your data—not accepting someone else's opinion. 30 employees or 500 employees, it is time to take control.

We transitioned 32 groups out of the fully insured market last year. The best thing is that even if you are not a fit right now, we can show you why and help you become one. With data based on your group specifically, we can confidently say you have better options.

02/09/2026

Noticed today that Tesla added self-driving semis to their website as they gear up for customer deliveries. It’s interesting to see how companies already using this technology have adjusted their insurance programs. Many of the questions stem from the ambiguity between autonomous trucking and traditional trucking. Insureds are not only curious about long-term cost effectiveness and liability parameters but are now navigating an entirely new insurance landscape, causing them to reassess coverages — including cyber, product liability, umbrella, and other related coverages.

In traditional trucking, we have a driver, we have a wreck, and we have a responsible party. In autonomous driving, there are multiple roles involved however no driver to blame.
This has led many experts to speculate that claims could increase, followed by more nuclear verdicts, with more parties being brought into them, all driven by one dangerous and still-unanswered question: Who is at fault?

Can you think of any other scenarios/parties that could make this a conundrum of claim?
Fleet operator
Software provider
Vehicle manufacturer
Remote operator
Cyber actors
Maintenance manager

This link will take you to a page that’s not on LinkedIn

01/02/2026

Bangers Pickleball is designed to be the "Topgolf of Pickleball."

12/19/2025

https://www.correllinsurance.com/blog/inside-correll/kells-hecht-tanner-cable-named-2025-rising-star-members-by-abc-of-west-tn

Kells Hecht and Tanner Cable of Insight Risk Management, a Correll Insurance Group agency in Cordova, TN, have been named 2025 Rising Star Members by the West Tennessee Associated Builders and Contractors (ABC) for their leadership in helping construction clients manage risk and support industry

11/22/2025

It was an honor to accept the rising star award at the ABC dinner last night. This organization is full of great people doing amazing work in Memphis. Grateful to be a part of it and call them my peers!

10/31/2025

👨‍⚖️ When Justice Gets Funded: The Hidden Force Driving Up Your Insurance Costs

If you follow anything in the insurance world, chances are you’ve heard about TPLF. As a commercial insurance agent, I discuss many topics with my clients about why premiums are going up. This is definitely a contributing factor.

What is TPLF? Third Party Litigation Funding
Hedge funds and investors bankroll lawsuits for a cut of the winnings. No repayment if they lose. In short, it’s a gamble: “I give you this money for a chance to win this %. Draw this puppy out and see how much we can run it up.” This removes all financial pressure from plaintiffs and draws cases out with very aggressive tactics. This is causing nuclear verdicts (jury awards >$10M) to surge. In recent years, the average payout on a claim that went above the policy limits would end up around $8 million. Today, that number is closer to $25 million.

This has caused a lot of question regarding the ethics of the practice, but for business owners, agents, and carriers, it has raised even more questions:
How could this affect my loss ratio?
Do we have TPLF language disclosed?
Should we offer early mediation? If so, what’s stopping them from saying no?
Have claims lingered longer than usual?
Does our contract lack anti-assignment clauses?

Liability claims have increased 57% over the last 10 years, and insurers are expected to pay out $25 to $50 BILLION DOLLARS over the next 5 years.

How can we shrink the risks carriers see when looking at your account with this looming in the back of their mind?

That’s why a great agent digs into how your business actually runs and not just the spreadsheet and ACORDs. My job is to cut your total loss costs and prove to carriers you’re worth fighting for. We cannot get rid of claims, but we can dot our i’s and cross our t’s so that when a claim does come, we are comfortable knowing we have controlled the controllables.

Let me know if you are interested in reading the article; I will send it ove

10/02/2025

October is not only my birthday month but coincidentally a celebration of one of my favorite industries: manufacturing. To honor Manufacturing Month, let’s explore why this sector is often considered the heart of the industrial world and why it captivates me.

Manufacturing companies, broadly speaking, supply the world with tangible products that keep operations running smoothly. Without manufacturing, we’d have no fabricated metals for automobiles, no chemicals for pest control, no machines for dry cleaners, no condensers for HVAC units—and roughly 70% of the GDP would suffer. In fact, every $1 invested in manufacturing generates $2 in economic impact. These companies are the backbone of America.

What I love most is how specialized manufacturing subsectors are. The deeper I dive into a client’s operations, the more I’m fascinated by how vastly different each one is. I’m always meeting new people and learning new things—what they make, what goes into making it, who they make it for, and how it’s used. In the insurance world, manufacturing is divided into 21 subsectors, each with its own internal codes, drilling operations down to precise specifications. Each company's unique nature means you must listen closely and work to learn what piques a carrier's ears—they're not all the same.

Working directly with manufacturers is a fulfilling profession, offering deep satisfaction from being hands-on with a vital part of the global economy. Specializing in manufacturing allows me to evaluate operations holistically to determine the best approach from an insurance perspective.

What are some of your favorite aspects of manufacturing?

09/22/2025

Insurance renewals shouldn’t feel like a gamble.

For many business owners, insurance is a top expense—yet renewal time often brings dread, confusion, and wasted effort. Without a trusted advisor, you’re stuck navigating a complex process, hoping for better rates.
Enter the "Insurance Game", and every business owner is playing it—whether they know it or not. My mission? To equip you with the knowledge and strategy to win.
In my first meetings, I sometimes ask these questions to see if clients are set up for a win:
- Are multiple agents quoting your insurance each year? (This could be hurting you.)
- Do you hold renewal strategy meetings 90 days in advance?
- Do you know how carriers view your business—and what risks they see?
- Is your agent showcasing your risk control efforts to make your business a “must-write” account?
If you’re unsure about any of these, you might be stuck in an unwinnable game. Let’s change that.
💡 Quick Tip: Reviewing your risk control measures 90 days before renewal can signal to carriers that you’re a low-risk client, potentially lowering premiums.
For my fellow insurance pros: What key questions do you ask to set your clients up to win the Insurance Game? Share below to spark ideas and elevate our industry!
Ready to rewrite the rules? Business owners, comment with your biggest insurance challenge, or DM me to optimize your next renewal.