Benefits & Risk Program for Construction
Cut your benefits cost. Keep your best people.
Lumber Benefits & Risk is the licensed benefits and workforce risk practice built into the platform that already runs your payroll.
Health cost control, prevailing wage fringe strategy, and compliance handled by people who work with construction employers every day.
For qualified groups, The Lumber Benefits & Risk Program — a captive health plan — comes with a written five year savings guarantee.
Save against fully insured over five renewals, or the difference comes back in cash, deposited directly into your claims account. Few brokers, and no software platform, can put that in writing.
The Clock Is Ticking
Your renewal is already being built
If your plan renews January 1, your 2027 rate is being set right now. You will see it in September or October, and by then it is a number to react to rather than one to influence.
PwC projects a 9% group medical cost trend for 2027, the highest in 17 years. Most contractors face that increase with no claims data, no funding alternatives modeled, and three weeks to decide.
What We Do
Five ways we protect your margin
01
Captive health program
A self funded group captive, The Lumber Benefits Program has a written five year savings guarantee for qualified groups. Unused claims dollars return to the employer. Published results average up to 25% lower annual cost than fully insured. Savings vary by group.
02
Prevailing wage fringe
Use benefits to meet the fringe obligation instead of paying cash. Fringe directed into a plan leaves the payroll base, which lowers loaded labor cost per hour and sharpens public works bids.
03
Cost control and compliance
Level funded options, pharmacy and PBM strategy, and full claims transparency. Multistate leave, ACA, ERISA, HR and COBRA governed and managed for all groups on a calendar so nothing slips.
04
Prevailing wage fringe
Renewals, carrier negotiation, claims advocacy, and benchmarking from a licensed advisor with more than twenty years in construction benefits.Bilingual enrollment and education built for field crews.
05
A full service Benefit Support team, available 24/7
Experienced support team provides year-round assistance with claims, ID cards, eligibility, enrollments, and benefit questions — helping your workforce get answers quickly.
Why Contractors Trust Us
Built for Construction. Backed by Experience.
40+ years
Combined experience in construction benefits
5 year
Written savings guarantee
Up to 25%
target cost savings
24/7 support
for HR teams, employees and enterprise leaders
Lumber Benefits and Risk, powered by FIRMA Insurance Solutions. Innovation Health Consulting LLC dba FIRMA Insurance Solutions. CA License No. 0E59175. Savings vary by group. Guarantee terms are set by the captive program. Roundstone Insurance. Not an offer of insurance.
Frequently Asked Questions
What is Lumber Benefits and Risk?
A licensed employee benefits and workforce risk practice available to Lumber clients and prospects. Advisory and insurance services are delivered by FIRMA Insurance Solutions, with benefits administration by Workforce Junction.
What does the review cost?
Nothing. The first benefits and risk review is provided at no cost and carries no obligation.
How much will we save?
No figure can be promised before a census and current cost review. Published captive program results average 25 % lower annual cost than fully insured plans, and savings vary by group. A modeled number specific to an employer follows the data review.
How does the guarantee work?
For groups that qualify, captive costs are compared against what the employer would have paid fully insured across five consecutive renewals. If no savings resulted, the difference is deposited into the claims account. The captive program sets the terms.
Do we have to change ourplan or carrier?
No. Many employers begin with a review of their current plan and make no changes at all. A broker of record letter changes who advises the employer, not the plan the employees are on.
Do we have to wait for our renewal?
No. A broker of record letter takes effect at any point in the year. Effective dates and processing rules vary by carrier and are confirmed case by case.
Are we too small?
Fifty or more benefit eligible employees is the typical fit for the captive program. A small group option is available for teams under that threshold, with room to grow into the captive later.
Do we have to use Lumber payroll?
No. The program works best when payroll and workforce data are already in the platform, but a benefits review is available independently.
What about our crew that speaks Spanish?
Enrollment and education materials are provided in English and Spanish, written for field crews rather than office staff.
Who actually does the work?
FIRMA Insurance Solutions holds the license and delivers the advisory work, carrier negotiation, and service. Workforce Junction provides enrollment and administration technology. Lumber owns the client relationship.
Still have questions?
Can’t find the answer you’re looking for? Please chat to our friendly team.
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