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Sometimes, an apple a day isn't enough.

 

Outstanding healthcare benefits can be one of the most appealing aspects of a job, but whether you have two employees or two hundred (or two thousand!), finding a group health plan that fits your needs can be daunting. Should you choose a traditional plan? Or a pre-tax Health Savings Account (HSA)? Thankfully, with the help of experts like the agents at Smart Planning, the search doesn’t have to be painful.

It can be hard to choose a group health plan; deductibles, doctor networks, prescription drug coverage, and coverage limits are all variables that must be factored in. Choosing a plan with great coverage shouldn’t be hard work – at least not for you! We can help share that burden by walking you through the process, understanding your situation and that of your employees, and quoting your needs with various insurance companies to get the best plan for your business.

Don't expose your business to unnecessary risks...

In today’s society, where high-dollar lawsuits are the rule rather than the exception, commercial general liability (CGL) coverage is critical to insure any bodily injury or property damage that occurs in the routine operations of your business. Along with worker’s compensation, CGL is probably the most important insurance coverage any business could obtain.

There are many factors that come into play when deciding what the coverage limits of you CGL policy should be. First among them is the type of business you are doing. If, for example, you run a manufacturer that runs heavy equipment rather than paper products or other textiles, you probably are at a higher risk for claims, and thus should purchase higher liability limits. Additionally, it is good to know the “legal climate” of the area in which you’re operating: is the state have a history of awarding damages to the plaintiff? If so, you should probably look at higher liability limits.

CGL coverage can be purchased separately, but is oftentimes rolled into a package with property insurance (in case your building burns down, or some other claim pertaining to your facility). These packages are called Business Owner’s Policies (BOP). Depending on the liability limits you need, however, it may be more beneficial for you to purchase these lines of insurance separately than as a package.

Smart Planning Insurance Group has agents ready and waiting to assist you every step of the way as you choose which business policy you need. Have questions about what are reasonable liability limits for your type of business? Not sure whether a BOP is the right choice for you? We can help!

Contact us for a free quote and policy review today at (336) 996-1508.