Affinity Programs

Do the members of your Association or Franchise Group have a common insurance need?

Early, Cassidy & Schilling, LLC specializes in developing and managing programs as an alternative approach to the ordinary method of purchasing insurance products and services.   The sponsoring organization can harness the collective buying power of the members and transform it into a benefit. In addition to it being an efficient method of reaching a specific audience, important advantages are gained as well.

By leveraging the aggregate cost of the insurance or service the group can achieve:

  • Competitive premiums for all participants
  • Customized  coverage forms that may not otherwise be available to the group in a standard offering
  • Services such as web based platforms  for safety, wellness and compliance resources

Affinity programs are tailored to meet your group’s needs and are available for a single line policy type or multiple lines of coverage.   Examples include:

  • Multiple employer trust arrangement for group benefits
  • Multi state property program
  • Master program for a franchise group
  • Individual lines of coverage such as cyber or management liability
  • Surety bonds

In addition to the benefits to your member or franchisees, there are also financial and membership or franchise recruitment/retention benefits that accrue to the sponsoring organization.

This unique approach to risk management enables you, the sponsoring organization to focus the synergy of your group while also deriving some direct benefits to your organization.


The EC&S representatives have been proactive in explaining the implementation of the Affordable Health Care Act (ObamaCare) to our employees and to our Corporate Owner so that we all will know how the plan will impact our business and us personally. Early, Cassidy & Schilling has done an excellent job of shopping our health and dental insurance with major carriers. They placed us with a carrier who meets the needs of all of our employees. The pricing for our plans has been within reason based on our size and inclusive of the benefits required by our employees.

Terri L. Woodfolk, Executive Assistant Capitol Paving March 10, 2014