Employee Benefits for Employers

Mostly small and midsize employers, including companies offering benefits for the first time. If you have employees in both Florida and Georgia, we can help with that too, since we're licensed for life and health in both states.

We start by learning about your business, your employees and your budget. Then we request quotes from several carriers and lay them out side by side, with the differences explained in plain terms. You decide what fits, and we handle the paperwork to put it in place.

With a fully insured plan, you pay a set premium and the insurance company takes on the claims risk. A level-funded plan also has a predictable monthly payment, but it's built around your group's own claims, and if claims run lower than expected, some money may come back to you. Level-funded plans usually require health information from employees and don't suit every group, so we'll tell you honestly whether it's worth a look.

Yes. Voluntary benefits such as extra life, disability, accident or critical illness coverage let employees choose what they need and pay through payroll. They can add real value to your package without adding much cost for the business.

We stay involved all year. We explain the benefits at open enrollment, and after that employees can come to us with questions about claims, bills, ID cards and finding providers. It means fewer of those questions end up on the owner's or office manager's desk.

We review your renewal with you well ahead of the deadline, explain what changed and why, and shop the market again when it makes sense. You won't get a renewal email with a new rate and no explanation.