— Combs & Company

Consulting Services

Consulting Services

Comprehensive Consulting Solutions for Businesses & Individuals

Combs & Company features three distinct consulting services: ACA Audit, ERISA Compliance, and Expert Witness work. Each offering is designed to help businesses and individuals navigate complex insurance, benefits, and litigation risks. We deliver data-driven insights, innovative solutions, and long-term strategies designed to enhance protection and optimize positive outcomes.

ACA Audit

Ensure full compliance with the Affordable Care Act through detailed audits that identify gaps, correct reporting errors, and safeguard your organization from costly penalties or legal risks.

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ERISA Compliance

Protect your employee benefits program by ensuring adherence to ERISA regulations. Our experts guide you through documentation, filings, and fiduciary responsibilities to avoid fines and ensure transparency.

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Expert Witness

Rely on our industry professionals to provide credible, unbiased testimony in complex insurance or benefits disputes, supporting your case with technical expertise and accurate, data-driven insights.

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Every unique story deserves its own protection. With Combs & Company, you gain more than insurance — you gain a partner who understands, protects, and values what makes you different.

Combs & Company

Empowering Smarter Decisions Through Expert Guidance


In today’s rapidly changing business and insurance landscape, informed decisions drive success. At Combs & Company, we believe expert guidance helps organizations manage risks, enhance operations, and achieve stability. Our consulting approach blends industry knowledge, strategic analysis, and personalized attention. Whether navigating compliance, evaluating benefits, or identifying exposures, we provide insights for confident decisions. We simplify complexity and develop strategies aligned with your goals. With our commitment to clarity and integrity, you gain a roadmap for sustainable growth. Empower your business with the right knowledge to move forward decisively.

Approach

We leverage experience and industry knowledge to identify challenges, create strategies, and achieve measurable outcomes aligned with your goals.

Mission

To empower clients through expert guidance and strategic advice, ensuring informed decisions that protect assets, enhance growth, and create sustainable success.

Vision

To be a trusted advisor for organizations and individuals seeking clarity, confidence, and innovation in insurance, benefits, and risk management consulting.

Your Questions, Answered

Frequently Asked Questions

  • What are consulting services in insurance, benefits, and risk management—and who are they for?

    Combs & Company consulting services are designed to help both businesses and individuals make confident, well-informed decisions around insurance, employee benefits, compliance, and risk management. If you’re facing complex requirements, uncertain exposures, evolving regulations, or simply want a clearer strategy, our consulting services provide structure and guidance. We translate complicated “insurance-speak” into practical recommendations, so you understand options, tradeoffs, and next steps—whether you’re an employer managing benefits responsibilities or an individual navigating coverage decisions.

  • What’s included in an ACA audit with Combs & Company consulting services?

    An ACA audit through our consulting services focuses on reviewing Affordable Care Act-related processes and information to identify potential gaps and reduce the risk of costly mistakes. Depending on your situation, this can include evaluating how ACA requirements apply to your organization, reviewing documentation and reporting workflows, and highlighting areas that may need correction or stronger internal controls. The goal is clarity—so you know what’s working, what needs attention, and how to strengthen your compliance approach moving forward.

  • How can ERISA compliance consulting services help protect my employee benefits program?

    ERISA compliance consulting services help employers understand and meet obligations tied to employee benefits programs, including documentation, fiduciary considerations, and governance best practices. Combs & Company provides guidance aimed at improving transparency, reducing risk, and supporting a more defensible benefits administration process. If your organization is unsure whether it’s meeting ERISA expectations—or wants to strengthen oversight—our consulting services help you move from uncertainty to a clear, practical plan.

  • When should I use an expert witness in an insurance or benefits dispute?

    Expert witness support is typically helpful when a dispute involves technical insurance, benefits, or risk management issues where credible, unbiased analysis can clarify complex details. Combs & Company expert witness consulting services can support legal matters by providing professional expertise, clear explanations, and data-driven perspective tailored to the case. If the dispute hinges on policy language, benefits administration practices, industry standards, or technical interpretations, an expert witness can help decision-makers better understand the facts and context.

  • How do I get started with Combs & Company consulting services, and what should I prepare?

    Getting started with Combs & Company consulting services usually begins with a conversation about your goals, concerns, timelines, and the specific challenge you’re trying to solve—ACA audit, ERISA compliance, expert witness needs, or broader risk/benefits guidance. To make that first discussion most productive, it helps to gather any relevant documents you already have (for example, benefits plan materials, internal processes, reporting records, or dispute-related documentation). If you don’t have everything organized yet, that’s okay—our consulting services are built to bring clarity to complex situations and help you determine the most useful next steps.

services we provide

Explore Our Full Range of Services

Employee Benefits

Empower your workforce with tailored benefits that attract talent, enhance satisfaction, and improve retention — all while keeping your business compliant, competitive, and financially protected.

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Commercial Insurance

Safeguard your business with customized commercial risk solutions that protect your assets, employees, and reputation against unforeseen events and evolving industry challenges.

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Personal Insurance

Protect what matters most with personal insurance plans designed for your lifestyle — covering your home, health, car, and future with confidence and peace of mind.

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Specialty Insurance

We specialize in unique and hard-to-place insurance needs, offering creative solutions for businesses and individuals that don’t fit standard coverage categories.

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Consulting Services

Our experts offer strategic guidance, risk analysis, and compliance support to help you make informed insurance decisions aligned with your goals.

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Our Edge

Why Choose Combs & Company?

Combs & Company blends decades of experience with a hands-on approach to simplify the insurance process. Our expert teams tailor solutions to meet your specific needs, ensuring you’re confident in the final portfolio.

Certified Industry Experts

Our team includes PPACA Certified Advisors and licensed professionals with an expertise in the ACA, ERISA, and complex coverage solutions, providing trusted guidance.

Comprehensive Coverage Options

From personal and business insurance to specialty lines and consulting, we offer full-service solutions that grow with you and evolve to meet your changing needs.

Long-Term Relationships

At Combs & Company, clients aren’t just clients—they’re partners. We’re committed to building trust, loyalty, and long-term relationships that keep you secure for years to come.

Real Stories, Real Feedback

Our Client Reviews


Susan and her staff are not only knowledgeable about insurance they take the time to educate their clients to help make sense of all the options and purchase the best coverage available. They are wonderful.

Debbie M.

5 Stars Rating

If you're a food entrepreneur or in the restaurant biz, I highly recommend working with Susan and her team. Offers great customer service and she really knows her stuff! I had Susan come lecture at my food law class at New York University a few years ago and the students loved her! I refer clients to her without hesitation

Cari B.

5 Stars Rating

If you desire to work with someone who provides honest advice and great service work with Susan Combs.

Steve H.

5 Stars Rating