The simple explanation is we use the right tools for the job.
Insurance is a tool, and not every tool works for every job. So we start by figuring out which specific type and brand of tools you need.
We start with Workers’ Compensation – an insurance policy that, primarily, pays for:
- Treatment for work related illnesses or injuries
- Income replacement if an employee is unable to work because of a work related illness or injury
- Benefits to survivors if an employee dies as a result of a work related illness or injury.
Then we look at Employee Benefits. Whether your company is contributing to the costs of the policy / policies or not, there are options to offer benefits to your employees including:
- Health Insurance
- Life Insurance
- Disability Insurance
- Dental Insurance
- Vision Insurance
- Accident Insurance
- Cancer Insurance
- Critical Illness Insurance
- Hospital Confinement Indemnity Insurance
- Health Savings Account
- 401(k)
- And more!
You can offer some or all of these benefits to all employees, some employees, or let them pick and choose which benefits they want and need. You can contribute to paying for these benefits – in whole or in part – or you can decide to let your employees pay for them. And many of these benefits are pre-tax, so both you and your employees can use these selections to reduce your employment taxes!
The Difference
For every type of insurance policy there are many insurance companies. Each insurance company offers different options for each type of insurance policy, and with different price points for those options. That is a LOT of choices for you to wade through to find a good combination of insurance companies, insurance policies, and policy options – good value. When you add the fact that most insurance companies aren’t even available to you except through an independent insurance agency like us, it’s really rather silly to try to navigate it all yourself.
We can help you navigate all of these options and get your company set up the way that you envision it. That’s our job. That’s what we’re hired for. We figure out what you would like to accomplish and help you build a roadmap to get there – one that takes into account the many, many options available – and take a long-term approach (respecting your short-term reality) to helping you make it happen.
Insurance companies can help you make your vision a reality… if you have the right insurance companies and the right insurance agency to help coordinate them.
The bottom line is this: You have the vision; we have the tools.