Fully Funded Plans
Traditional group coverage with predictable premiums and no claims risk — simple and stable.
Businesses
Benefits, coverage, and back-office built for growth
Attract and keep talent, manage risk, and simplify HR — with an independent advisor who shops the whole market for you.
Employee benefits
Group & employee benefits
The right funding strategy can transform your benefits budget. We help you choose and administer it.
Level-Funded Plans
Fixed monthly cost with potential refunds in healthy years. Popular with small and mid-size groups.
Self-Funded Plans
Pay claims directly with stop-loss protection — maximum control and savings potential for the right group.
ICHRA
Reimburse employees tax-free for individual coverage on a budget you set. A modern alternative to group plans.
ACA Administration
We handle the compliance, reporting, and paperwork so your ACA obligations don't become a headache.
HSA-Compatible Plans
High-deductible plans paired with tax-advantaged HSAs to lower premiums and build employee savings.
Business insurance
Protect the business you built
General Liability
Coverage for third-party bodily injury and property damage claims — the foundation of business protection.
Commercial Property
Protect your building, equipment, and inventory from fire, theft, and covered disasters.
Commercial Package Policies
Bundle key coverages into one policy for broader protection and simpler management.
Business Owners Policy (BOP)
Liability and property combined at a cost-effective rate — ideal for many small businesses.
Workers' Compensation
Required coverage for employee injuries, plus our help auditing class codes to control cost.
Commercial Auto
Coverage for vehicles used in your business, from a single van to a full fleet.
Business services
Back-office support that scales
PEO Consulting
We help you evaluate Professional Employer Organizations for benefits, payroll, and HR under one roof.
Payroll
Connect with reliable payroll solutions integrated with your benefits and compliance.
HR Support
Access HR expertise and tools without hiring a full department.
Compliance Support
Stay current on ACA, ERISA, and state requirements with guidance built in.
Workers' Comp Cost Reduction
Audits and strategy to reduce premiums and correct experience-mod errors.
FAQ
Business Solutions FAQ
What size business do you work with?
From solo owners and startups to established companies with dozens of employees. We tailor benefits and coverage to your headcount, budget, and goals.
What is level-funded health insurance?
It blends the predictability of a fixed monthly payment with the potential savings of self-funding. Healthy claim years can earn a refund. We'll model whether it fits your group.
Can ICHRA really lower our benefit costs?
For many small businesses, yes. An ICHRA lets you reimburse employees tax-free for individual plans with a budget you control, instead of a one-size group plan. We'll run the numbers.
Do you help reduce workers' comp costs?
Yes. We review your class codes, experience mod, and premium audits to find errors and savings, and connect you with PEO options where they make sense.
Not sure what you need? Let's figure it out together.
A quick, no-pressure conversation with a licensed advisor. We'll compare your options and explain them in plain language.
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