Independent Insurance Agency - focused on providing ancillary solutions to small businesses to help them to grow and thrive in their marketplace. Many of our solutions are at NO COST to the business itself. Nonprofits are among the many small businesses that benefit from our services.
Our consultative approach enables us to pin-point specific challenges each employer faces and base solutions to these challenges. Our solutions help businesses to strengthen the employee loyalty & performance, thus creating a positive winning atmosphere for both business and employees alike.
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Refers to health insurance plans designed for businesses with a number of employees, typically between 5 and 250. These plans are offered by insurance companies and provide coverage for employees and sometimes their dependents. Small group health insurance plans often offer a range of coverage options. Employers with over 50 employees are required to contribute to the cost of premiums, and employees typically share in the cost through payroll deductions. All group health insurance plans must comply with regulations outlined in the Affordable Care Act, including coverage of essential health benefits and limitations on out-of-pocket expenses.
Ancillary employee benefits, often referred to as supplemental benefits, are non-wage perks provided by employers to enhance the overall compensation package for employees. These benefits go beyond basic health insurance, retirement plans, and paid time off, aiming to improve employee satisfaction, retention, and well-being
Value Added services provide additional services for your employees outside the traditional health and ancillary products that include any of the following: Financial Wellness, Fraud Protection, Prescription medication discounts, Telemedicine (including mental health), Pet Insurance, FSAs, HSAs & EAP programs. By adding Value-Added services businesses are able to strengthen their workforce by creating a caring atmosphere in which increases employee morale, productivity and retention.
Insurance operates as a risk management tool where individuals or entities pay premiums to an insurance company in exchange for financial protection against potential losses. The insurer pools these premiums to create a fund used to cover claims for damag
Yes, one can benefit from insurance by receiving financial protection and peace of mind against significant and unexpected losses. In the event of an insured incident, such as a medical emergency, accident, or property damage, the insurance company covers
A skilled benefit Specialist will ask personalized questions to discover specific insurance program needs for each Business and then further customization happens as they have 1 on 1 meetings with employees and discover either their individual/ Family's n
A section 125 plan, also known as a cafeteria plan, allows employees to choose from a variety of pre-tax benefits, such as health insurance, dental and vision plans and other ancillary benefits along with flexible spending accounts (FSAs). By offering the
