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A cooperative insurance arrangement where multiple employers pool resources to self-insure.
Record of past insurance claims, used to assess risk and premiums.
Auto coverage for damage not caused by collisions (e.g., theft, fire, weather).
Protection against legal claims for injury or damage caused to others.
Review and adjustment of plan structures during annual renewals.
A pre-tax account for eligible dependent care expenses, such as daycare or after-school programs.
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