Group Plans for Your Employees

Group Disability Insurance

Businesses often provide disability insurance options for their workers. The coverage can replace lost income when a covered individual is unable to work because of an accident or illness. It is a coverage that is difficult for individuals to buy on their own.

Group Health Insurance

The Massachusetts health care reform law passed in 2006 requires every resident of Massachusetts to carry health insurance coverage, with few exceptions. Employers with 10+ employees must participate in a health insurance program for their workers. Organizations with fewer employees may provide a health insurance plan but are not required to do so.

The current health insurance system offers many plans and options for individuals and employers. As an independent agent, we are here to help you compare health insurance options and create a program that maximizes value for your business and your workers.

Group Dental Insurance

Businesses often choose to provide a dental plan for their workers. Good dental health is an important component of overall health since problems with teeth and gums can indicate other health problems. As dental care costs continue to increase, offering dental coverage as an employee benefit can be an attractive hiring advantage.

The current dental insurance system offers many plans with various options for employers. As an independent agent, we are here to help you compare dental insurance options and create a program that maximizes value for business owners and employees.

Group Life Insurance

Businesses often provide life insurance options for their workers. Life insurance is generally considered the cornerstone of sound financial planning. Yet, too often, employees have inadequate or no life insurance. An employer-sponsored life insurance program can help workers provide income for dependents at a reasonable cost.

There are many life insurance programs for employers. As an independent agent, we are here to help you compare life insurance options and put together a program that maximizes value for business owners and employees.

Group Auto Insurance

While employees can obtain auto insurance on their own, the primary advantage of an employer-sponsored policy is lower premiums. The insurance firm evaluates the employee group's loss experience, which often yields reduced individual premiums. Group vehicle insurance programs frequently provide payroll deduct alternatives and on-site service personnel to make the auto insurance transaction easier.

Group Home Insurance

While workers can buy homeowners insurance on their own, the primary benefit of an employer-sponsored program is reduced premiums. The insuring company considers the loss experience of the employee group, which generally results in lower individual premiums. Group homeowner programs often include payroll deduct options and on-site service representatives that simplify the homeowner insurance process.

Group Long-Term Care Insurance

Long-term care is often thought of as coverage for the elderly. In fact, long-term care insurance can be used by anyone who is impaired by illness or injury and needs assistance with daily living activities. Workers can purchase long-term care insurance at a reduced rate as an employee benefit.

There are a variety of long-term care insurance programs for employers. As an independent agent, we are here to help you compare the options and put together a program that maximizes value for business owners and employees.