Employee Benefits That Help You Hire, Retain, and Compete
A strong benefits package is one of the most effective tools a small business owner has — and one of the hardest to navigate alone. We shop the market across multiple carriers to build a benefits program that fits your team and your budget.
Whether you're setting up benefits for the first time or looking to replace a plan that stopped making sense, we help you evaluate what's available and put together a package your employees will actually value.
- Group health insurance
- Dental and vision coverage
- Life insurance and AD&D
- Short- and long-term disability
- Long-term care coverage
Coverage Options for Small Business Teams
Why Small Businesses Work With an Independent Agency on Benefits
Group health and benefits pricing can vary significantly from one carrier to the next — and the plan structures vary even more. As an independent agency, we aren't tied to a single provider. We compare options across the market so you're not locked into whatever one company is offering this year.
We've been working with Arizona and Utah businesses since 2009. When your renewal comes around or your team size changes, you have a real person to call — not a customer service queue.
What Does It Cost to Offer Group Health Insurance?
Group health premiums depend on your employee count, the plan structure you choose, how much of the premium you contribute as the employer, and the carrier. There's no single answer — but there's also more flexibility than most business owners expect when they first start looking.
We walk you through the numbers before you commit to anything, so you understand what you're buying and what your employees will actually pay.
Common Questions About Employee Benefits
Common Questions About Employee Benefits
Do I have to offer health insurance to my employees?
Businesses with fewer than 50 full-time equivalent employees are not required under federal law to offer health insurance. Many small business owners choose to offer it anyway because it helps with hiring and retention — especially in competitive trades and skilled labor markets.Can I offer benefits if I only have a few employees?
Yes. Many carriers offer group health plans for businesses with as few as two enrolled employees. The options available to you depend on your state, your group size, and the carriers we have access to. We'll tell you exactly what's on the table for your situation.What's the difference between group health and individual health insurance?
Group health is purchased through an employer and typically allows the business to share premium costs with employees. Individual health insurance is purchased by a person on their own, outside of an employer plan. Group coverage often provides better pricing and broader options for employees than individual plans at the same benefit level.Do you offer benefits in both Arizona and Utah?
Yes. We work with businesses in both states and have carrier relationships that cover both markets. If you operate across state lines or have employees in multiple locations, we can work through what that means for your plan structure.
Talk to Us Before Your Next Renewal
If your current benefits package is coming up for renewal — or you've been putting off setting one up — this is a good time to get a second set of eyes on it. We'll compare what's available and help you make a decision that works for your business and your team.