Small employer group insurance typically refers to employee benefit plans offered by businesses with less than 50 employees. Such plans often offer a range of benefits, including:

1. Health insurance: This includes medical services, hospitalization, prescription drugs, preventive care, mental health, and other covered healthcare services.
2. Dental insurance: Covers routine dental care, such as cleanings, exams, and X-rays, major services, and orthodontia.
3. Vision insurance: Covers eye exams, prescription glasses, contact lenses, and other vision-related expenses.
4. Disability insurance: Some plans offer short-term or long-term disability insurance to provide income replacement if an employee becomes disabled and is unable to work.
5. Life insurance: Life insurance coverage may be included, providing financial protection to employees' beneficiaries in case of the employee's or covered spouse's or children's deaths.

Small employer group insurance plans are offered at group rates, which can be more affordable than individual plans because the risk is spread across a larger pool of people. Additionally, these plans offer tax advantages for both employers and employees.

Many of our small business clients offer health insurance as a core (and subsidized) benefit. The other types of plans noted above depending upon the client's objectives are either subsidized in whole or part or offered on an entirely voluntary basis at the employee's expense. Even if a small employer has a limited budget, it is possible to design a complete package of benefits that one's employees will sincerely appreciate.

The specifics of small employer group insurance vary depending on factors such as the size and nature of the business, state regulations, and the insurance provider. We help our small business clients carefully evaluate different options to choose the best insurance plan for their employees' needs and budget.