We understand that each company has specific concerns; therefore our product choices are both flexible and comprehensive. Having worked with hundreds of commercial businesses in the past 30 years we are accustomed to meeting the unique needs of each client.

We will evaluate your needs and concerns then assist you in the development of a meaningful employee benefit program. We’ll develop innovative answers to meet your needs. We will work with you to develop a competitive, cost efficient employee benefit program. With the phasing in of the Affordable Care Act employee benefits are ever-changing. We keep abreast of the latest changes and how they affect you.

Quoting Process

The information gathered will be forwarded to one of our commercial insurance agents to begin working on your business insurance quote. The process usually takes a few days while we work with underwriters to find the most competitive quote for you. Not all insurance companies will insure your business. Some specialize in working only with certain types of businesses, within certain limits. For example an insurance company may work with builders, but only those whose projects are under a certain height limit. Some companies have coastal limits,which in our area is always a factor.

Our Philosophy

It is our philosophy that education is the key factor for federal employees to understand and take maximum advantage of their benefits program. We believe that once armed with an understanding of the fundamentals, the employee can make informed decisions about the impact of their benefits program on their financial security.

You might also think of benefits as company-paid and employee-paid. While the company usually pays for most types of benefits (holiday pay, vacation pay, etc.), some benefits, such as medical insurance, are often paid, at least in part, by employees because of the high costs of medical insurance.

We offer state-of-the-art plan administration and recordkeeping services: leading-edge technology, easy-to-read participant statements, comprehensive plan accounting, and fully integrated systems— all overseen by a single point of contact for managing conversion and administration from start to finish.