Insurance Coverages for Employees

At B&W Insurance, we saw a need in the marketplace for a high touch insurance broker to work with businesses to help you provide quality benefits for your employees. In this time of intense competition for quality employees, a strong and relevant benefits package can make the difference in whether the potential new hire chooses you or someone else. Insurance benefits also help promote employee satisfaction and retention. Let us help you stand out with a package that will wow your employees and potential employees, and will also be affordable and beneficial to you.

Customized Business Insurance Options

Our process includes:

✓ Fact finding interview with the business stakeholders

✓ If you like, fact finding with a designated employee group

✓ Our own research on your industry and marketplace

✓ First pass proposal for your review and feedback

✓ Final options to present to employees

✓ Official presentation to employees

✓ Onsite education and sign-up for employees

To fill this need to customize strong and affordable benefits packages for businesses to provide to their employees, we developed our ‘White Glove’ business service. We use this opportunity to learn about your business needs, your employee’s needs, understand what new hires in your industry look for, and then provide you with customized options that make the most sense to fill all of these needs as closely as possible.

Types of Businesses

Though we can provide quality options for any type of business, we have great experience both locally and regionally with several types of companies, including the following:

Churches
Service Companies:
AC/HVAC
Mold Remediation/Water Damage
Swimming Pool Services
Roofing Companies
Real Estate
Construction
Manufacturing
Telecommunications
Banking
Physicians

Dentists
Psychiatrists
Orthodontics
Dermatologists
Fitness
Farming
Service Industry
Hospitality
Schools
Certified Public Accountants
Association Management
Information Technology
Attorneys

Types of Insurance

Group Health Insurance

Health insurance is often listed as the #1 benefit tied to employee satisfaction. Offering it to your employees can make quality health care more accessible to them. These group policies likely provide better benefits, usually at a lower rate because the risk is spread across the group. For the employer, these insurance benefits can provide several tax benefits as well.

Group Life Insurance

Group life insurance operates such that a single contract covers an entire group, meaning all of your employees. This is an inexpensive policy to offer as a paid benefit to your team members. A group voluntary life insurance policy will allow employees to receive life insurance with no medical questions at initial enrollment and these policies are usually guaranteed to be issued.

Group Disability Insurance

Disability insurance is another benefit you can offer to your employees, at a relatively inexpensive rate, to provide them with peace of mind and some ongoing income should they become injured and unable to work. As with health insurance, the group policy generally allows for lower premiums. There are several types of disability insurance and we can help you with both short-term disability and long-term disability policies.

Group Vision Insurance

Vision insurance is another opportunity to provide a benefit to your employees that won’t cost you much money. Some of these plans cover the cost of an annual eye exam, and also include an annual allowance for the purchase of prescription eyeglasses or prescription sunglasses.

Group Dental Insurance

Dental insurance is a great incentive for your employees, as well as a benefit to their overall health. Dental health has an impact not only on the mouth, but many other parts of the body, including the heart and lungs. There is also a link between poor dental health and diabetes and Alzheimer’s disease. Dental insurance generally provides for two regular cleanings each year, X-rays and fluoride treatment, without a deductible.

At B&W Insurance we give our business clients our top-notch White Glove treatment and work to provide the optimal insurance options for you and your staff team.