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Coverage Options

Employee Benefits

Our service offers an extensive range of comprehensive employee benefits, including Health insurance coverages- medical, dental, vision, life, vol-life, STD/LTD, Worksite products, pet insurance, all plans from fully, partial and ASO self-insurance, retirement plans. These tailored benefits packages, along with our wellness initiatives, and our proprietary Healthefair are thoughtfully designed to attract, retain, support, and motivate top talent no matter where they live, creating a nurturing work environment where your team feels valued, secure, and genuinely cared for, fostering long-term loyalty and satisfaction. Our complete service program from TPA- COBRA, administration, HRIS, claim services and our compliance complete support with custom newsletters, Montage Minutes, My HR Summits, HIT Podcast are always bringing Human Resources, Safety/ Risk Managers and your employees the most updated news. We market every year to bring your company the best most comprehensive benefit package available.

Workers' Compensation

Our Workers' Compensation insurance services provide vital protection for your employees and your business in the event of work-related injuries or illnesses. By offering coverage for medical expenses, rehabilitation costs, and lost wages, we ensure a supportive and responsible approach to workplace safety, safeguarding both your team's well-being and your company's financial stability against claims. We provide claims management and loss control services, X-Mod projections and risk management services that help you manage your employees safety, helping you create a team that fosters a culture of safety.

Property & Casualty

Protect your assets and mitigate risks with our Property & Casualty insurance offerings. We provide a wide range of coverage options for your businesses, automobile insurance, commercial property & liability insurance for all industries and risk. Professional lines of coverage including E&O, Directors & Officers, Cyber Liability, Employment Practices Liability, Fiduciary and Professional Liability covering your special needs for your industry. Our services ensure peace of mind and robust security against unforeseen damage and liabilities, safeguarding your assets and financial future. We market every year to ensure that all your assets, employees and risk are properly covered.

Employee Benefits

  • Fully Insured Medical Plans: Traditional insurance plans providing comprehensive medical coverage.
  • Self-Funded Medical Plans: Whether ASO bundled with major carriers, or broken out through leading TPAs our deep expertise in Self-Funding and the right point solution vendors offers flexibility and potential for great cost savings.
  • Level-Funded Medical Plans: Combines the cost predictability of fully insured plans with the savings potential of self-funded plans.
  • Dynamic Co-pay Medical Plans: These plans simplify the member experience by eliminating deductibles and co-insurance, ditching the more confusing aspects of traditional cost models in favor of a strict co-pay design that uses the billions of points of claims data now available to assign dynamic co-pays, with variability tied to provider performance.
  • MERP arrangements: Leveraging the actuarial power of higher member cost shares, these plans help employers save so much in premium, there is sometimes enough savings to fund things like co-pays and deductibles, and reduce the member responsibilities back down.
  • Health Reimbursement Accounts: Employer-funded plans that reimburse employees for qualified medical expenses.
  • High Deductible Health Plans: Plans with higher deductibles, offering lower premiums and pair well with Health Savings Accounts.
  • Health Savings Accounts: Tax-advantaged accounts for medical expenses, paired with high deductible health plans.
  • Employee Assistance Programs (EAP’s): Support services for employees covering various personal issues.
  • Re-Insurance/Stop Loss Programs: Coverage to protect against high claims in self-funded plans.
  • TPA & ASO Evaluation: Assistance in evaluating Third-Party Administrators and Administrative Services Only providers.
  • Risk Analysis: Comprehensive assessment of potential risks and appropriate coverages.
  • Medicare Supplement: Additional coverage to help cover expenses not covered by Medicare.

  • Fully Insured, Self-Funded and Level-Funded: Various funding options for dental coverage to fit different needs.
  • DHMO: Dental Health Maintenance Organization plans with in-network dentists.
  • DPPO: Dental Preferred Provider Organization plans offering a network of dentists with the flexibility to visit out-of-network providers.

  • Fully Insured, Self-Funded and Level-Funded: Vision coverage plans with flexible funding options.

Our Long-Term Care insurance offerings are designed to provide comprehensive coverage and support during extended periods of personal care. Whether it's in-home care, assisted living, or nursing home care, our policies ensure financial assistance and peace of mind for you and your loved ones in times of need. With our dedicated service, you can plan for the future confidently, knowing that you're protected against the potentially high costs of long-term care.

  • 401(k): Retirement savings plan sponsored by an employer allowing employees to save and invest a portion of their paycheck.
  • 403(b): Tax-advantaged retirement savings plan available for non-profit and government employees.
  • Medicare Supplement Plans: Plans that cover additional healthcare costs not covered under Medicare.

  • Basic Life: Fundamental life insurance coverage for peace of mind.
  • Voluntary/Supplemental Life: Additional life insurance coverage options chosen by employees.
  • Whole Life: Permanent life insurance with a savings component.
  • Term and Universal Life: Life insurance coverage for a specified term or flexible universal life policies.
  • Travel Accident: Coverage for accidents occurring while traveling.
  • Executive Life: Enhanced life insurance benefits for key executives.
  • Key Man: Life insurance on key personnel crucial to the business.

  • Short Term and Long Term Disability: Coverage providing income replacement for temporary or prolonged disability.
  • Executive Disability: Specialized disability coverage for executives.
  • State-Mandated Disability (TDI): Coverage meeting state requirements for temporary disability insurance.

  • Critical Illness/Cancer Plans: Coverage providing financial support in case of serious illness.
  • Gap Plans/Hospital Indemnity: Plans offering additional coverage for hospital stays and medical procedures.
  • Accident: Coverage for expenses arising from accidental injuries.

  • LSA Plans Lifestyle Spending Account (LSA) is an employer-sponsored benefit that allows employees to set aside money for discretionary spending. LSAs are customizable and can be used for a variety of expenses such as child-care, wellness programs, transportation, home office equipment, and more.

  • Premium Only Plans: Pre-tax deduction of insurance premiums, reducing taxable income.
  • Flexible Spending Accounts: Accounts where employees can contribute pre-tax dollars for healthcare expenses.

  • Parking & Transit Accounts: Pre-tax benefits for parking and public transit expenses.
  • Dependent Care: Accounts for pre-tax contributions towards dependent care expenses.

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Workers' Compensation

This straightforward plan offers a fixed, predictable cost for workers' compensation coverage, providing businesses with stability and simplicity in budgeting for employee safety.

Ideal for companies seeking more control over their workers' compensation costs, this option involves the business assuming direct financial responsibility for claims, supported by our expert risk management and claims services.

Tailored for businesses looking for a balance between risk and cost savings, these plans include a deductible, allowing companies to lower their insurance premiums while assuming a portion of the risk.

Designed for businesses that prefer a performance-based cost structure, these plans adjust premiums based on actual loss experience, potentially offering significant savings for well-managed risk.

Suited for larger organizations or groups seeking customized solutions, captive insurance allows businesses to finance their risks, including workers' compensation, through their own, wholly-owned insurance company.

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Property & Casualty

  • Umbrella/Excess Liability: Provides additional coverage beyond your standard liability policies.
  • Foreign Coverage: Extends your liability protection to operations and employees overseas.
  • Aviation: Covers liabilities associated with the use of aircraft.
  • Group Travel Accident: Protects against accidents occurring during business-related group travel.
  • Product Liability: Insures against claims of personal injury or property damage caused by products you sell or supply.
  • Environmental Liability: Covers claims from environmental damage caused by your business operations.

  • Auto Liability: Protection against bodily injury and property damage arising from vehicle use.
  • Property Damage: Covers damage to others' property caused by your vehicles.
  • Non Owned and Hired: Liability coverage for vehicles you rent or your employees use.
  • Uninsured Motorist: Protection against accidents with uninsured or underinsured drivers.
  • Fleet Discounts: Discounted rates for insuring multiple business vehicles.

  • Property: Insurance for physical damage or loss of your business property.
  • Crime: Protection against losses from business-related crimes like theft or fraud.
  • Inland Marine: Covers property in transit over land and movable property on your premises.
  • Ocean Marine: Insurance for property transported over water.
  • Earthquake/DIC: Coverage for damages caused by earthquakes and other disasters.

  • Employment Practices Liability: Protects against claims from employment-related issues.
  • Directors and Officers: Liability coverage for your company's officers and board members.
  • Errors and Omissions: Covers legal defense costs and damages for professional errors.
  • Internet/Website: Liability insurance for internet and digital exposures.
  • Kidnap/Ransom: Coverage for incidents of kidnapping and ransom demands.
  • Fidelity: Insurance against financial losses due to fraudulent acts.

Offering a variety of bonds to guarantee performance, compliance, and other business obligations.

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