01 · Small Business

Benefits your team actually values. Sized for a small-business budget.

Group medical, dental, and vision — quoted across carriers by an independent broker who’s seen benefits from both sides of the table: fifteen years helping people understand coverage, and hands-on with a family-run small business.

02 · Why offer them

The case for benefits — even as a small shop.

Hiring

Keeping people

Health coverage is consistently the benefit candidates weigh most. “We offer health insurance” moves a posting into a different category.

Tax

It generally makes sense

Employer contributions to group health premiums are generally tax-deductible as a business expense. Your tax advisor confirms the specifics — we’ll coordinate with them.

Pricing

Group rates work differently

Group plans are priced and underwritten differently than individual coverage. Employees often get better value per dollar than they could find alone.

03 · What we quote

Coverage we place for small groups.

Group medical — typically 2–50 employees. Multiple carriers, network types, and contribution strategies that fit the budget.
Group dental and vision — the add-ons that make a package feel complete, often the best value-per-dollar in it.
Not sure a full group plan fits yet? There are stepping-stone approaches for very small teams. Worth a conversation before you decide benefits are out of reach.

04 · How it works

From census to coverage, we do the heavy lifting.

Share your census

A simple list — ages, zip codes, family coverage needs. Takes about ten minutes; we’ll give you the template.

We shop the market

Quotes across carriers, side by side, with real recommendations — not a 40-page PDF dump.

You pick, we implement

Carrier paperwork, employee enrollment, and questions answered so they don’t all land on you.

We stay on the account

Renewals, new hires, terminations, claim issues — year-round service is the point of having a broker.

05 · After enrollment

Your part-time benefits department.

The hard part of benefits isn’t picking a plan — it’s everything after. Open-enrollment questions, new-hire paperwork, the employee who doesn’t understand their deductible, the renewal letter nobody can decode.

That’s the work we take off your plate. Your employees get a real person to call. You get your time back.

06 · Questions

Straight answers.

How small is too small?

Groups typically start at two enrolled employees. If you’ve got yourself and one W-2 employee, it’s worth a conversation.

What does a broker cost us?

Nothing beyond the premiums — compensation is built into carrier pricing whether you use a broker or not.

Our renewal isn't for months.

Talk now — ideally 60–90 days before renewal. That’s enough time to shop alternatives instead of rubber-stamping the increase.

Can you work with our accountant or payroll company?

Yes, and we should. Contribution strategy, deductions, and tax-credit questions go smoother when everyone’s coordinated.

07 · Next step

Get a group benefits proposal — no commitment.

Send a census, get real numbers. If the math doesn’t work for your business, we’ll tell you that too.

702-627-2605

By calling the number above, you will be connected to a licensed insurance agent.