disability & Employee Benefits Insurance

To provide the best group benefits coverage, the following information is required:

• Employee data
• Claims and rates history (last three years)
• Letter of authority
• Long-term disability claims
• Non-recurring claims

As a business owner, you have the flexibility to cover 100% of the cost or choose to share the expense with your employees. In many cases, up to 50% of the cost can be deducted from employees' salaries.

If you're purchasing a benefits plan only for yourself and your family, a waiting period may apply. However, if the plan covers at least three individuals, benefits can typically begin immediately, with no waiting period.

Yes, you can tailor your benefits package based on your budget and needs. For example, you can opt to include only drug and dental coverage or expand to include vision and other services.

If you're enrolling in a group benefits plan, coverage for pre-existing prescriptions may be included — either fully or up to a certain limit, depending on the plan you select.

Your coverage limit should reflect the nature and level of risk associated with your business. A $2 million limit is a common standard for Commercial General Liability (CGL) policies.

If you're using a personal vehicle for commercial purposes, your insurer may deny a claim unless your policy is updated accordingly. It’s essential to ensure your policy reflects how the vehicle is being used.

Not always. In some cases, commercial auto insurance can be more affordable than personal auto coverage, depending on your specific needs and risk profile.

No, commercial auto policies generally do not cover the theft of tools or equipment. These items are typically covered under a Tools and Equipment policy, which can be included within your Commercial General Liability coverage.