Business Insurance

Business Insurance Solutions

Our tailored insurance solutions are designed to help you save money by optimizing coverage to suit your unique business requirements. Say goodbye to unnecessary expenses without compromising protection!

We understand that every small business, non-profit, school, or church is different. That’s why our team of experts offers personalized consultations to identify the most effective insurance solutions tailored to your specific goals and budget.

Customized Employee Benefits

As the workforce evolves, so should your benefits strategy. Companies have shifted away from conventional standardized approaches to employee benefits. Instead, there’s a growing emphasis on customizing these benefits to not only meet individual needs but also to enhance job satisfaction and overall efficiency. The use of HRA, ICHRA, and QSEHRA are some of the ways to customize benefits. Let us design a customized approach for your small business, non-profit, school, or church that meets the needs of today’s employees, saves you money, and propels you toward success.

Health Plans

Fully Insured or Level Funded

Fully insured health plans are a traditional model where businesses pay fixed premiums to an insurance provider. The employer chooses the percentage they want to contribute to the plan.

Qsehra/Ichra Plans

With ICHRA & QSEHRA, business owners determine a set budget to reimburse their employees for health insurance, and employees buy the plan that works best for them.

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Individual Plans

The employer provides free education to the employee. This option allows the employer to be proactive about their health benefits at minimum involvement.

Workers Compensation

As the workforce continues to evolve, so too should your benefits strategy. The days of one-size-fits-all employee benefits are behind us, with companies now prioritizing customized solutions that cater to individual needs, boost job satisfaction, and improve overall efficiency.

State Requirement: Most states require businesses with employees to have workers' compensation insurance. Failure to comply can result in severe penalties, fines, or even the closure of the business.
Coverage: Workers’ compensation covers medical expenses, rehabilitation costs, and lost wages for employees who are injured on the job, regardless of fault.
Employer Protection: Having workers’ compensation insurance also protects employers from lawsuits that might arise from workplace injuries.
State Differences: While most states mandate coverage, the specific requirements—such as the number of employees needed to require coverage—can vary by state. It's important to check your state's regulations to ensure compliance.

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Let us create a personalized benefits plan for your small business, non-profit, school, or church—one that not only meets the needs of today’s employees but also saves you money and drives your organization toward lasting success. Make an appointment today.