FAQ's

Fully insured plans cover all medical claims through insurance carriers, while level 1 insured typically refers to basic coverage tiers with limited benefits and higher employee cost-sharing requirements.

Small business insurance costs vary based on employee count, industry risk, and coverage levels. Businesses with 1-30 employees typically see premiums ranging from $500-$3,000 per employee annually.

Businesses with 30 employees need workers' compensation, general liability, and group health insurance. Many states also require disability insurance and unemployment coverage for this size workforce.

Yes, HR consultants specialize in insurance compliance requirements including ACA reporting, COBRA administration, and state-mandated benefits. They ensure your policies meet all regulatory standards.

Choose based on coverage options, premium costs, and service quality. Allstate often offers more personalized service, while Nationwide typically provides broader coverage networks.

Add employee benefits when you have 5+ full-time employees or face recruitment challenges. Benefits become cost-effective and help attract quality talent at this threshold.

Employee benefits training covers plan details, enrollment processes, claim procedures, and cost-sharing. Sessions help employees understand their coverage options and maximize their benefits effectively.

Yes, insurance consultants provide ongoing claim assistance, policy reviews, renewal negotiations, and compliance updates. They serve as your dedicated advocate throughout the policy period.

Small businesses face unique risks and budget constraints that require tailored coverage. Specialized plans offer appropriate protection levels without unnecessary costs or coverage gaps.

Review business insurance annually or when adding employees, changing operations, or relocating. Regular reviews ensure coverage matches current needs and identifies potential cost savings.