Business & Commercial Coverage
From employee benefits to liability, property, workers' comp, and commercial auto, protect your operation and your team without overpaying.
Coverage for small business owners
Each one opens to a page that explains what the coverage does, the problems it solves, and a short discovery sheet if you are ready for a quote.
Employee Health & Benefits
Real group health coverage for your team, plus dental, vision, life, disability and ICHRA options, without the enterprise price tag. Run the Offer Letter Test and see how your job posting reads with benefits.
Liability + Property
General liability, property, BOP, professional and cyber coverage that protects your premises, inventory, and reputation. Play out One Bad Day for a business like yours.
Workers' Comp & Compliance
Stay compliant with state requirements, keep the certificates flowing, and take care of your people on the job. Watch the Injury Clock: the first 30 days with and without it.
Commercial Auto & Equipment
Coverage for your vehicles, tools, and equipment so a bad day doesn't become a closed business. Find out whether your truck is really still "personal" and what a week of downtime costs you.
Group health plans available now
Employer-sponsored medical coverage for your team. Every group is quoted personally. These summaries show you what exists before we tailor it to your business. More group options are being added.
Group Major Medical · Cigna PPO Network
What it does: real major medical for groups as small as 2 employees, on the Cigna PPO network: eight deductible tiers from $1,000 to $7,350 including two HSA-eligible options, so owners and employees can sit at different price points inside one plan. Deductibles run the calendar year.
What it does not: it is not individual coverage and it is not quoted online. Group pricing depends on your team's census, so the Summaries of Benefits below are the general picture until we quote your group. Cigna is the network, not the insurance company. The plan is self-insured through the Employers Business Alliance, which your business joins to enroll, and is backed by SiriusPoint Ltd., rated A- (Excellent) by AM Best.
Ameritas ChoiceFit · Group Dental
What it does: employer dental your team will actually use: five base plan designs (Classic, Advantage, Advantage Plus, Elite, Elite Plus) you mix and match: calendar-year maximums of $1,000 / $1,500 / $2,000, deductibles from $25 that never touch preventive care, optional child orthodontia at 50%, and the Ameritas dental network for lower out-of-pocket costs with any dentist still allowed.
What it does not: it is not individual coverage and not one fixed design. Your quote is built from these elements for your group's size and census, and waiting periods on major work and orthodontia can apply depending on prior coverage and group size. We walk the design choices with you.
Additional deductible tiers ($1,500, $3,500, $7,350 and $5,000 HSA) are available on Group Major Medical. Ask and we will send every Summary of Benefits. Available in 40 states by the company’s state of domicile, not in AK, HI, MT, NM, NY, ND, RI, SD, VT, MD or MN (verified 8/13/26). Enrollment runs on a monthly cycle with a census deadline; we handle the paperwork with you. More group medical, dental and vision options are being added.
Not sure what your business actually needs?
Take the free 60-second Business Coverage Snapshot. Four quick questions, and I'll personally review where you can save and where you're exposed, general liability, professional liability (E&O), and more.
Take the 60-second snapshot →We shop multiple carriers for you.
Reviewed by a licensed advisor, never a call center.
What you see here is not the whole shelf.
Some carriers ask us to present their products one-on-one instead of on a website, and new ones join the lineup all the time. An advisor can pull up every product that could fit your needs, including the great options that are not listed here.
Let's protect your business.
Tell us what you need covered and a licensed advisor will build a plan that fits your team and your budget.
*Plans, benefits, rates, and provider networks can change at any time. Speaking with your agent is necessary to verify the most up-to-date information before making any decision.