Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Find cheap health and business insuranceEmployment in the United States has reached a point where offering health insurance to employees is not only a great way to keep them working for you, but a great way to keep your company within the laws of a brand new health reform law passed by congress.

Indeed, recent health care legislation mandates that everyone be covered by some sort of health insurance by 2014. That’s where a combined business and health insurance plan becomes important for any small business.

Find the best health and business insurance plan for your business today by simply entering your zip code!

What It Does

Health and business insurance accomplishes two goels at once: first and foremost, it protects your business against all kinds of liability issues such as product defects, employee injury, and equipment or vehicle accidents. But with health insurance added on to your policy, you can offer employees health insurance coverage at group rates, which means a net savings for yourself and all who work for you.

You can even choose the amount you pay toward health care insurance every month, meaning you can directly affect the cost of your employees’ health care coverage with each paycheck. If you desire lower rates for your employees, or more coverage for their health care needs, you can pay more and they will receive more benefits at a lower cost.

If you want to offer the service but can’t afford to subsidize as much of your employees’ cost, you can go that route too — and pay a lower insurance premium on behalf of the business.

In addition to keeping your business within the confines of recent health care reform bill, health and business insurance plans offer several added benefits and bonuses to your company.

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Employee Retention Rates

Your small business might offer one of the best work environments available, and it might have some of friendliest people in the business community, but a lack of health care insurance for employees will not keep them there for very long. Health insurance is considered by many to be a deciding factor when they’re deciding between job offers — or even where to apply for a job in the first place.

Companies who offer health insurance coverage to their employees are considered the best companies to work for, and the safest bet for long-term employment. Jobseekers in recent surveys and opinion polls even admitted to associating health care coverage with the likelihood of a company’s long-term success and profitability.

It’s easy to see why: even if you pay your employees the best wage in your industry, a lack of health coverage means they could go tens or hundred of thousands of dollars into debt at any moment. Even a routine check-up can cost hundreds of dollars without coverage. This is simply a must-have benefit for employers and employees alike who are serious about creating a solid relationship.

Business Cost Savings

Save on health and business insurance

Consider for a moment that one of your key employees comes down with an illness during the busiest time of year. With health coverage, they would simply go to the doctor and get a sufficient diagnosis and appropriate medication. Without this health care coverage, however, they’ll let it linger; your employee will get more and more sick, and they’ll have to take sick days.

Meanwhile, as your sick and uninsured employee keeps coming to work every day with the best of intentions, he or she will be spreading that illness to all of your other uninsured employees. Because they, too, lack the ability to consult a doctor, they’ll just get more sick over time and need to use sick days.

Eventually, your business faces a significant staff shortage and has its healthy employees working overtime and doing extra work just to compensate for the group of sick individuals. And if the problem grows too severe, it could actually impact the amount of business you can do; it could impact your sales leads, your closed sales, or how many products you can produce during a specific time period.

Health and business insurance, combined on the same policy, gives you the peace of mind that the people you work with can seek treatment for their medical ailments. it gives you the peace of mind that you business will not become an ailing enterprise just because your employees have come down with an illness. And it gives you the peace of mind that the people you employ are healthy, happy, and able to enjoy being in the office.

How to Add Health Insurance

The first step to pursue when considering a health insurance add-on for your existing business insurance policy is to comparison shop between providers. That might sound sort of at odds, but it’s worth seeing how much the policy will cost you on our existing business insurance plan versus the rate of competitors. Business is all about profit margins and cutting costs, so it never hurts to shop around for the best price of the whole package.

After you’ve gotten a rough idea of the costs involved in supplying this insurance to your employees, you will want to contact an agent at the company that you have chosen as the best provider. Be sure to have information available about the number of people you employ and what your annual costs and revenues are. Health insurance is costs are rising with the average cost of health insurance premiums increasing dramatically over the past decade businesses desperately need to choose a quality plan that they can afford.

Insurance companies will want to know what your payroll looks like so that they can give you accurate rates for each employee. They’ll also want to know how much your business makes each year so that they can determine how much you should be paying for this coverage. This information will keep you from overpaying for the service or underinsuring your workers.

After this consultation, you’ll have a health and business insurance policy that keeps your employees happy, healthy, and loyal to your company for the long-term. And you’ll convey to the outside world that you’re serious about employee health and morale. That’s an almost priceless way of operating your business. Start comparing health and business insurance plans today by entering your zip code below!