Count the Services Sharing One Limit
Every service in the agreement can create its own loss, and one limit is shared across all of them. More services mean more places for a loss to start.
What to know.
List the services you buy and the failures each could cause: a late notice, a wrong filing, a missed test. Then compare the sum with the limit.
A short, clear list helps you decide whether to keep all services with one provider or spread them around.
Where to look next.
Services It Can Reach
See the list.
One Stated Limit
See how a shared limit works.
Confirm the Scope
See the habit.
Weighing one provider against several.
Using one provider for everything puts all your services under a single limit and a single set of terms, which is simple to manage but means one claim can reduce the protection for every other service. Using several providers spreads the exposure and may give more total protection, but it adds gaps and handoffs, which are themselves a source of errors.
The question to ask is where your risk sits. If a few services carry most of the exposure, protect those carefully, whoever provides them. If the risk is spread widely, simplicity may matter more. Either way, put the list in writing and have each provider confirm what it covers.
Common questions on this topic.
Four questions to settle before you rely on it.
Do all services share one limit?
Under a total limit, yes.
Should we use one provider for everything?
There are tradeoffs. Ask your counsel and us.
How do I list the failures?
For each service, ask what the worst realistic error would be.
Can CFH help?
Yes. Send us your service list.
Does splitting services create gaps?
It can. Tasks that sit between two providers, such as one preparing a form and another filing it, are the usual place for a gap. A responsibility list closes it.
How often should we review our provider mix?
At each renewal, and whenever you add a plan or service. A mix that made sense at one size may not at the next.
Ready? Upload your renewal, or talk it through with someone first. No cost, no obligation.
General information about compliance service protections, not legal or tax advice. Plan-specific questions belong with your counsel, and we will bring them in.
Related guides.
What Limit Does Compliance Protection Carry?
The overview this page belongs to.
Compliance Services With Hold-Harmless Protection
What the protection is, what it covers and what to ask.
Count the People Covered by Your Plans
The next question on the same topic.
Where the Rules Come From.
The laws and rules named on this page link to the statute or regulation they come from. This is general information, not legal or tax advice, and rules change, so check the current text.
COBRA Excise Tax (26 U.S.C. 4980B)
The tax on failures to meet COBRA continuation coverage requirements.
ERISA Civil Enforcement (29 U.S.C. 1132)
Includes the daily amounts a court may assess for failing to provide required notices.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents, two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
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