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Employee Benefits

Benefits that give you the advantage

Your benefits team, before you need one.

Your team deserves more than a benefits package — it deserves an advocate. Our specialists learn your business, guide your employees, and stay with you through every open enrollment and beyond.

faq

Can a self-employed person deduct health insurance premiums?

Yes, a self-employed person can deduct health insurance premiums as an adjustment to income on their tax return. This self-employed health insurance deduction is allowed for any premiums paid for medical and dental insurance or qualified long-term care coverage for the taxpayer and their family. The deduction cannot exceed the net amount of self-employment income for that year and must be reported on Form 1040. Speak with your accountant or tax professional to determine if you qualify for this deduction.

At what level does the premium for company paid life insurance need to be included in the employee’s income?

Employers can purchase up to $50,000 of life insurance for employees without the need to add the premium to the employee’s income. Premium for any amount above $50,000 would need to be included in the employee’s income or that portion of the life insurance benefit would be considered taxable in the event of a claim.

What is an Accountable Care Organization?

An accountable care organization (ACO) is an association of hospitals, healthcare providers and insurers in which all parties voluntarily assume financial and medical responsibility for patients. Total cost of care can run between 10% and 15% lower than a traditional “open access” network.

Does the Affordable Care Act (ACA) require that a larger employer (more than 50 full time employees) offer coverage to spouses and dependent children?

Although most ACA language is centered around offering employees coverage that meets minimum essential benefits and affordability rules, in order to be compliant and employer must offer coverage to dependent children. An employer is not required to offer coverage to spouses under the ACA.

Specialists in the industries that matter most

Our experts bring hands-on knowledge of your specific industry to find coverage that truly fits.

Health & Human Services

Navigating complex risks for care-focused organizations.

Hospitality & Restaurants

Coverage solutions for businesses of any size.

Human Clinical Trials

Securing the right solutions for medical and biotech firms.

Mergers & Acquisitions

Identifying new risks and coverages through every transaction.

Product Liability

Navigating the nuances of consumer and commercial product risk.

Sharing Economy

Managing risk in an evolving, tech-driven industry.

Start-Ups

Supporting founders through the unique challenges of building a company.

Surety Bonding

Growing your surety capacity alongside your business.

Truck, Trailer & Heavy Equipment

Fleet-specific solutions to manage risk and control costs.

Partner with a broker who puts you first.

Protect your company’s assets, reputation, and growth with customized insurance solutions that fit your unique risks.

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