Giving you Peace of Mind with the Best in Employee Benefits
Coverage for your employees is a central part of operating a company. At Garrett Insurance, we help busy business owners select the right insurance plans and benefits for their employees. Our options range from retirement plans to disability insurance.
Small Business Retirement Plans
Small business retirement plans help your employees save up for retirement.
Some of these plans include:
- Simple IRA plans
- 401(k) plans
- Simplified Employee Pension (SEP) plans
These retirement plans allow your employees to make contributions directly from their paychecks. They frequently offer tax advantages for both you and your employees.
Employer-Sponsored Retirement Plans
Employer-sponsored retirement plans are similar to small business retirement plans, but on a larger scale. Because these plans are for larger companies, they may include profit-sharing options.
With these plans, employers can also match or contribute to their employees’ retirement savings.
Group benefits are a collection of insurance policies distributed to a group of employees. Policies under group benefit plans can include:
- Group health insurance
- Group life insurance
- Group disability insurance
These benefits can be a strategic option for you and your business because you can negotiate better rates when you bundle policies.
If an employee becomes disabled to the point they’re unable to work, disability insurance offers income replacement benefits.
This is an especially important insurance policy for physically demanding jobs that put employees at a higher risk for injury.
Individual Life Insurance
Individual life insurance provides financial protection to the beneficiaries of your employees upon their death.
Both disability and life insurance can be offered as either a group benefit or an individual benefit the employee can purchase through their employer.
Voluntary benefits are a set of insurance policies that employees can choose to purchase through their employer. Common examples include dental and vision insurance.
Retiree Health Coverage
Retiree health coverage benefits employees — and in some cases, their spouses — after they retire. Eligibility varies from company to company.
A good benefits plan can make a difference when attracting top talent for your company. Contact Garrett Insurance today to learn about individual and group coverage for your employees.
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We welcome an opportunity to discuss your home insurance needs, so please contact us or give us a call. You can also request a quote if you’re ready to get started.