Adding another level of security to your benefit plan.
Establishing a well-rounded employee benefits package can be overwhelming. We are here to take the guesswork out of the search. Through our various insurance offerings, we will build you the perfect plan for you and your employees. Our flexible protection options can be tailored to meet your unique needs.
Stop Loss Insurance (Reinsurance)
Stop Loss Insurance is coverage an employer purchases to help protect the assets of the self-funded benefit plan from catastrophic loss. Also referred to as "Reinsurance", Stop Loss Insurance effectively transfers the risk of catastrophic losses to an insurance carrier and helps reduce your risk.
We understand the importance of risk management, and we will work closely with you to help determine the best option when selecting your Stop Loss Insurance Coverage.
Group Life and AD&D (Accidental Death and Dismemberment)
A major goal for successful businesses is attracting and retaining talent. Group Life insurance, when included in your benefit package can help you reach this goal. Because of increased volume, Group Life can be offered at much lower rates than individual life insurance plans. Offering Group Life will help you protect your valued employees and their families. We will work with you to design the Group Life plan that best suits your needs.
In addition to basic Group Life insurance, HSG offers supplemental life which allows employees to purchase additional coverage for themselves and family members. Again, because of increased volume, these plans are available at much lower rates than individual life insurance plan.
Long-Term Disability (LTD)
If you have employees, chances are that you need some form of long-term disability insurance. On average a long-term disabled employee misses up to 3 years of work. Different from workers’ compensation (where an employee is injured on the job), this protects employees when they are hurt outside of the workplace. Long Term Disability (LTD) Insurance replaces a portion of an employee’s income during a prolonged period of disabling illness or accident. With a broad portfolio of products, we can assist you in designing the ideal LTD plan for your employees.