• commercial property insurance

Property insurance protects the physical assets (buildings, inventory, furniture, equipment, computers, and a limited amount of cash) of a business from covered perils such as fire, vandalism, smoke, windstorm, and lightning, etc. There are many consequences to a business if their property is damaged or destroyed. These property losses include: Reduced value, the cost of debris removal, extra cost to replace the damaged property, business interruption (loss of income), and the additional costs of operating from a temporary location.
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• commercial casualty insurance

Commercial casualty provides coverage for your business if someone claims your company or your employee was negligent and responsible for bodily injury, property damage, financial loss, personal injury or advertising injury. Liability insurance can pay not only for the covered damage but also for legal defense costs. It is common for the legal defense costs to be the largest part of a claim.

There are several examples of how a business could be sued for negligence. A visitor could slip on your premises. A competitor or customer could sue you for false advertising. A client could sue you for damage to their property while in your care. A former client could sue you for libel or slander.
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• commercial auto

Commercial Auto Insurance coverage can protect a business from financial loss due to claim caused while driving a vehicle owned, leased, hired or borrowed by the business. Auto insurance can provide coverage for both liability (bodily injury or physical damage that you or an employee causes) as well as physical damage to your vehicle. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semi-trailers and commercial vehicles.
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• worker's compensation

Employers have a responsibility to their employees to ensure a safe work environment. But an accident can happen even though all reasonable precautions have been taken. Workers Compensation Insurance can protect employers from lawsuits resulting from workplace accidents and provide medical care and lost income (regardless of fault) to injured employees or to employees that have contracted a work-related illness. It also provides death benefits to surviving spouses and dependents. The premium is based on payroll and other forms of remuneration.
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• builders' risk

Builders risk insurance provides coverage for buildings that are under construction. The construction can be new, a remodel, or some type of repair. The coverage includes the materials at the work site before they are installed, any materials intended for the work site that are in transit, and the value of the new, remodeled, or repaired property being built until it's completed. The named insured of a builders risk insurance policy is usually the contractor or developer of the property. However, it may be the building owner or homeowner if they are responsible for insuring the property while under construction, particularly when the construction is a remodel or repair. A mortgagee or lien holder may be added as an additional insured.
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• bonds

Generally speaking, there are two types of bonds; Surety Bonds, which guarantee the performance of a contract, and Fidelity Bonds, which protect against the dishonesty of employees or persons occupying positions of trust. Almost all types of bonds fall into these two categories but often have their own names such as Bid Bonds, Contract Bonds, Contractors Performance Bonds, License Bonds, and Permit Bonds, to name a few.
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• group health insurance

This is a fully insured (traditional) plan provided by employer for employees. We have plan designs which consist of co-pays, and co-insurance will vary with carriers. No single plan will cover all costs associated with medical care.

The self-funded plan is one in which the employer assumes partial financial risk for providing health care benefits to its employees. Rather than obtaining medical coverage from an insurance carrier, the employer elects to fund the risk up to a certain level where a Stop Loss Insurance Carrier is brought in. The Stop Loss is designed to limit the employer’s loss to a specified amount to ensure that large, or unanticipated claims do not upset the financial integrity of the self-funded plan.
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• group life insurance

Group life insurance is a type of life insurance in which a single contract covers an entire group of people. Typically, the policy owner is the employer and the policy covers the employees or members of the group. Group life insurance is often provided as part of a complete employee benefit package. In most cases, the cost of group coverage is far less than what the employees or members would pay for a similar amount of individual protection.

As the policy owner, the employer or other entity keeps the actual insurance policy, known as the master contract. All of those who are covered typically receive a certificate of insurance that serves as proof of insurance but is not actually the insurance policy. As with other types of life insurance, group life insurance allows you to choose your beneficiary.

Term insurance is the most common form of group life insurance. Group term life is typically provided in the form of yearly renewable term insurance. When group term insurance is provided through your employer, the employer will pay for most (and in some cases all) of the premiums.

Group term coverage usually has age reductions and remains in force until your employment is terminated or until the specific term of coverage ends. You may have the option of converting your group coverage to an individual policy if you leave your employer.
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• group long term care

Long Term Care includes a wide range of medical and support services for people with a degenerative condition, a prolonged illness or cognitive disorder.

Long Term Care is not necessarily medical care but rather "custodial care." Custodial care involves providing an individual assistance with activities of daily living or supervision of someone who is cognitively impaired.

When you or a loved one is stricken with a degenerative condition such as a stroke or Alzheimer's, performing these ADL's becomes impossible without the assistance of another person.

This type of care is Long Term Care. It is the same type of care that a parent must provide for their new baby. This type of care is chronic (full-time) and thus becomes very expensive. A Long Term Care policy can pay for some or all of the costs of nursing home care or assisted living facilities for qualified insured.
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• group disability

Coverage of an employee group whose members receive a monthly disability income benefit, subject to a maximum amount, if illness or accident prevents a member from performing the normal functions of his job. Benefits are usually limited to a stated length of time, and the maximum monthly income benefit is usually no more than 50-60% of earnings prior to the disability, or a flat dollar amount, whichever is less.
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• cafeteria plans

The Section 125 Cafeteria Plan is the section of the Internal Revenue Service (IRS) regulations which allows an employer to deduct employee contributions for certain benefits on a pre-tax basis, such as health, dental and/or vision premiums as well as HSA contributions. This reduces the amount of federal, state and local taxes you owe.
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• 401(k) Retirement plan

401(K) is an employer-sponsored qualified retirement savings plan. It allows you to save for your retirement while deferring any immediate income taxes on the money you save or their respective earnings until withdrawn.
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• group dental

Dental insurance is designed to pay a portion of the costs associated with the treatment of the teeth and their supporting structures. An employer group purchases and maintains insurance coverage for its employees. Premiums are paid by the employer and may require the employee to partially or fully pay for coverage. The employer may customize the plan with the insurance company with regard to benefits, employee deductibles/co-pays, covered treatment, and annual maximums.
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