In February 2013, a well-established New York City hospitality group, operating nine restaurants with over 350 full- and part-time employees, engaged ACS to enhance its employee benefits and risk management strategy. With the implementation of the Affordable Care Act (ACA) approaching, ACS conducted a comprehensive liability analysis to assess the potential financial impact on the business. To mitigate risks and maintain compliance, ACS designed and implemented a low-cost medical benefits program, making quality healthcare accessible to the majority of the company’s workforce while significantly reducing the employer’s financial exposure under ACA mandates.

Enhancing Benefits & Supporting Growth

Beyond medical coverage, ACS introduced a suite of voluntary benefits tailored to the hospitality industry’s unique workforce needs, including:

• Group dental, vision, short- and long-term disability, and life insurance to enhance employee well-being and job satisfaction.
• A streamlined benefits administration process, allowing for seamless integration across new business ventures, including the addition of another restaurant and a hotel property.

By implementing scalable solutions, ACS enabled the company to maintain consistency across entities, making benefits administration more efficient as the business expanded.

Comprehensive Risk Management & Business Protection

As the hospitality group continued to grow, ACS provided ongoing guidance to adapt and expand the company’s property and liability coverages. Key risk management enhancements included:

• General liability and workers’ compensation insurance, ensuring proper coverage for a dynamic, high-turnover workforce.
• Directors and officers (D&O) insurance to safeguard leadership against potential legal challenges.
• Employment practices liability insurance (EPLI) to protect against HR-related risks such as wage disputes and wrongful termination claims.

A Long-Term Strategic Partnership

Through proactive cost management, compliance guidance, and employee education, ACS has helped the hospitality group strengthen its employee value proposition while maintaining financial stability. Today, ACS continues to serve as a trusted partner, ensuring the company’s benefits programs, compliance strategies, and risk management solutions evolve in step with its ongoing growth and operational needs.

This is a case study for illustrative purposes and should not be construed as a recommendation. It may not be representative of your experience.