Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
Read more →Business Insurance
Group Benefits
Employee health, dental, vision, life and disability as a package.
What this cover does
Benefits are a recruitment and retention tool measured against what competitors offer. The structure — fully insured or level funded, contribution split, network breadth — decides both what it costs you and what staff experience when they use it.
Typically included
- Group health with network and plan-tier options
- Group dental and vision
- Group term life and accidental death
- Short and long-term disability
- Employee assistance programmes
- Voluntary benefits at employee cost
Common add-ons
- Level-funded plans for groups with good claims experience
- Health savings and flexible spending account administration
- Benefits administration and enrolment support
- Multi-state cover for distributed teams
- Executive carve-out plans
Questions
What people ask about group benefits
How small can a group be?
Small-group markets commonly start at one or two enrolling employees depending on the state. Below that, individual cover is usually the better route and we can help staff find it.
What is level funding?
A middle ground between fully insured and self-funded: you pay a fixed monthly amount, claims run against it, and a share of any surplus returns to you. It suits healthier groups and gives you claims data a fully insured plan will not.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Group Benefits
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.