# Health Insurance & Benefits Group medical, dental, vision, and ancillary benefits packaged for small and mid-size employers. ## About health and benefits Health and benefits sit alongside P&C as part of a complete program. We place group medical, dental, vision, life, and disability with a focus on the regulated operators we serve every day. ## What this policy responds to The core exposures this coverage line responds to. ## Typical operators on this line Who we most often place this coverage for. ## What this policy does not cover Common gaps clients assume are included. These usually need a separate line or an endorsement. ## What drives the cost Underwriters price this line on your specifics, not a flat rate. These are the factors that move a premium up or down. ## How it works 1. **Tell us about your operation**, Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price. 2. **We market your risk to carriers**, Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side. 3. **Review quotes and choose limits**, You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium. 4. **Bind coverage and get your documents**, Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day. 5. **Manage renewals and changes**, As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure. ## Frequently asked questions ### How small can a group be to offer benefits? Many carriers write small-group medical for employers with as few as one or two eligible employees, though plan options and rules vary by state. We will tell you what is available where you operate. ### Can you handle ACA and COBRA compliance? Yes. We help place the plan and set up the administration that keeps ACA reporting, COBRA, and ERISA obligations on track, so benefits do not create a compliance gap. ### How quickly can you get me a quote? Most quotes come back within 2 to 5 business days once we have the basics: business name, state, headcount, revenue, the lines you think you need, and any prior claims. Specialty placements can take longer; we will flag that up front. ### Do you place coverage in every state? Yes for the major P&C lines. Some specialty lines have state restrictions and we will flag them at quote time.