Leonard manages a tech startup that has been operating for three years. The company reces expanded to $35$ employees but experiences frequent staff changes due $10$ a competive nivers Leonard is considering adjusting their group insurance plan and warts to know i mananga lower premium is feasible by switching insurers or renegotiating their eurtent plan. The teams claims history has been moderately stable, yet the industry is known for high stress and long tors.

What advice should Leonard receive regarding their situation?

Select one.

O a$.$ Switching insurers every couple of years can maintain low premiums by commuously comparing and securing the best offers in the competitive insurance market.

O b$.$ The stable claims history should enable significant premium reductions with either the current insurer or new insurers, regardless of industry risk perceptions.

C$.$ The frequent turnover may allow for negotiations leveraging potemially younger, lower$-$in employees, which could reduce premium rates.

O d$.$ The tech industry's high$-$stress environment justifies the higher premiums, making t unlikely that a new insurer or negotiation would lower the costs significanty. Changing insurer can lead to additional costs due to contractual obligations and market volatily.