Karen founded CBG, Inc. in 1995, after working as an account executive on the property/casualty
side of employer benefits for 8 years. Karen was a partner for Capital Insurance
Group for 2 years, and prior to this, worked as an account executive for Liberty
Mutual in Southern CA, and Rockville, MD. In 1995, as the health insurance market
became more complex with multiple carriers and products entering the Central PA market,
Karen launched Capital Benefits Group, Inc., focusing exclusively on the employee
Karen has a BS degree in business/communications from Juniata College.
As Account Executive Karen is responsible to provide benefit solutions across all
lines of business to CBG clients.
Tim Horan - Financial Analysis and Reporting
Tim joined CBG, Inc. in 2005. Prior to this, Tim held a wide range of financial
and analytical positions over a fifteen year period while employed at Penn National
Insurance, Highmark, and United Concordia. During this time, Tim held positions
that included cost management, claims analysis, and forecasting. Tim also managed
a Reporting and Analysis department which provided detailed analytical reporting
to mid and large market clients of United Concordia.
Tim holds a BS degree in business from Shippensburg University, and a MBA degree
from Lebanon Valley College.
As a Financial Analyst, Tim is responsible for providing analytical support to the
Account Executives, which includes claims and enrollment reporting as well as renewal
analysis to CBG clients.