Group Benefits

As a small business owner you are responsible not only for the welfare of yourself and your family but for many others as well, including partners, employees and customers. Whether you run your business our of your home or office, factory or warehouse, we can help you develop a comprehensive and well-conceived insurance and benefits program.

Employee Benefits

An adequate employee benefit plan is essential in business today, no matter what the size of your company.

  • Health Insurance – medical coverage is the cornerstone of an effective benefits package. Fortunately, there are plenty of options, each offering tradeoffs between flexibility and affordability. Click Here for Health Insurance Benefit Quotes.
  • Life Insurance – Compared to other popular benefits, a basic life insurance benefit is relatively inexpensive to provide and can be easily supplemented by voluntary coverage. Click here for Life Insurance Benefit Quotes.
  • Disability Income Insurance – Employer-sponsored Disability Insurance provides employees with a source of replacement income if they are unable to work due to accident or illness. Click here for Disability Income Insurance Benefit Quotes.
  • Dental & Vision – Dental and Vision have grown in popularity and can provide coverage for all or part of the costs of cleanings, X-rays, annual oral exams, fillings, an annual routine eye exam, an annual contribution towards perscription eyeware and a glaucoma screening. Click here for Dental & Vision Benefit Quotes.
  • Long Term Care – Employers can offer long-term care benefits tailor-made for their employees at relatively low cost. And the federal tax code allows employers to deduct as a business expense both the cost of setting up a plan and any contributions made towards tax-qualified long-term care premiums. Click here for Long Term Care Benefit Quotes.
  • Retirement Plans – With the exception of Health Insurance, retirement plans are the benefits employees desire most. Small business owners have a variety of plan options to choose from including 401ks SIMPLE plans, SEPS and IRAs. Please call us to create the best plan for your business.

Business Continuation

One of the first things any business owner needs to consider is how to protect against events that may threaten the future of the business, like the death or disability of a proprieter, partner or key employee. BUsiness continuation plans, a necessity for any business, protect family and partners from unwanted debts and responsibilities when an owner dies.

  • Individual Life Insurance – Protect your family by providing them with funds to cover debts, ongoing living expenses and future plans in the event that something happens to you.
  • Buy-Sell Agreements – Protect your partners with a properly structured and funded buy-sell agreement. You or your business partners won’t have to scramble to come up with the money to buy the others share of the business and will guarantee that your survivors will be compensated fairly and promptly.
  • Key Person Insurance – Protect your business when a “key person” dies or becomes disabled. Key person insurance can help make up for lost sales or earnings or cover the cost of finding or training a replacement.