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Do you need business insurance? We’re happy to help! If you need E&O, a Business Owners Insurance, or any other risk mitigation strategies.

Know what you’re looking for?

We offer you the ability to self enroll in your own Business Owner Policy. If you’d like to customize this to your business and talk with a specialist, we’ll need to schedule time to chat with you

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Business Insurance Frequently Asked Questions (FAQs)

    1. What is Property & Casualty (P&C) insurance?
      P&C insurance helps protect businesses and individuals from financial loss due to property damage, liability claims, or other risks. It includes coverage for buildings, vehicles, general liability, and more.

    2. Why is P&C insurance included in an employee benefits marketplace?
      Many businesses already provide health and retirement benefits. Offering P&C coverage (like auto, renters, or homeowners insurance) creates a more complete financial safety net for employees and their families.

    3. What types of P&C insurance are available through this marketplace?
      Options may include:

    • Auto insurance

    • Homeowners insurance

    • Renters insurance

    • Umbrella liability coverage

    • Business liability coverage (for small business owners)

    • Specialty coverage (motorcycles, boats, etc.)

    1. How does this benefit employees directly?
      Employees often qualify for exclusive group discounts and payroll-deducted premiums, making coverage more affordable and easier to manage.

    2. Can employees bundle P&C insurance with existing policies?
      Yes, in most cases employees can bundle home and auto insurance (or other policies) to save money.

    3. Does coverage follow the employee if they leave the company?
      Yes, policies are portable. Employees can usually keep their coverage if they leave, though billing may shift from payroll to direct payment.

    4. What if I already have P&C insurance?
      Employees can compare rates and coverage to see if they can save money or enhance protection. Switching is optional.

    1. How do employees enroll in P&C coverage?
      Enrollment is simple: browse options in the marketplace, get a quick quote, and choose a plan. Some carriers allow online sign-up, while others connect employees directly with an agent.

    2. Are payroll deductions available?
      Yes, many carriers allow employees to pay premiums directly through payroll deduction, reducing stress of monthly billing.

    3. Will this cost the employer anything?
      Generally, no. P&C insurance is a voluntary benefit—employees pay the premiums, and employers simply offer access to the marketplace.

    1. How do employees file a claim?
      Claims are filed directly with the insurance carrier. Each carrier provides a 24/7 claims line and online portals.

    2. What kind of support is available for employees?
      Employees get access to licensed insurance agents for questions about policies, coverage, claims, or changes.

    1. Is there extra administrative work for HR?
      No. Carriers and marketplace partners handle administration. Employers only provide access to employees.

    2. Does offering P&C insurance improve employee retention?
      Yes. Offering broader financial protection benefits can increase employee satisfaction and differentiate your benefits package from competitors.

    3. Are there compliance issues for employers?
      No, since P&C insurance is a voluntary benefit, there are no additional compliance requirements for the employer.