Man on chess board Before going into a benefits discussion, know what the low-value "gives" are and be prepared to exchange a "give" for an employer's high-value priority. (Photo: Shutterstock)

Strategies for negotiating with a carrier will differ depending on the employer's census, industry, and their working relationship with the carrier. Insurance brokers have several negotiating tactics. Similar to a game of chess, it's imperative that brokers understand the lay of the land and brainstorm various approaches before making their first move.

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