• Business Solutions

    Take Care of Your Most Valuable Asset!

    Our expertise in health insurance, mandates and business incentives combined with our passion for getting the best value for our clients, is what sets us apart from just your average insurance agency!  Talk to a friendly expert now.

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why offer group benefits?

Statistics show that you can attract higher quality employees and retain them longer when you offer group health insurance benefits.  We know that the health and well-being of your staff is a top priority to you and to your business. The connection between wellness, employee engagement and financial success is well-documented and has resulted in the demand for new innovative benefit strategies. SafetyNet Insurance Group takes a customized approach to your needs. Every business is different and we work with you to tailor a benefits package that fits your business goals & objectives; with a strong focus on growth & retention, while strategically maximizing tax-savings & other incentives.  This approach results in packages that are richer in benefits for your staff while lowering costs for you!

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Products Portfolio

SafetyNet Insurance Group has relationships with over 50 trusted insurance partners giving us access to plans that many agencies can't offer.  PLUS we work with several regional carriers who can often deliver BIG savings!  More and more businesses are making the well-being of their staff a top priority!  It's an undeniable fact that a healthy engaged workforce is the KEY to maximizing productivity!

Health Insurance

From traditional major medical insurance to wellness only and health discount plans.  We can help you keep your staff happy & healthy without breaking the bank!  We offer fully funded, level funded & self funded plans.  

Disability Income

Businesses can help employees protect their incomes and rebuild their lives after an unexpected event with Group Disability Insurance.  These plans are designed to streamline administration, ease the claims process, and get employees back to work as soon as is reasonably possible.

Dental, Vision & Hearing

These check-ups are an essential part of the overall health of your staff.  Annual exams can help diagnose and prevent disease as well as improve their quality of life!

Accident & Critical Illness

Help protect your employee's savings from potentially high out-of-pocket expenses due to a serious illness or injury. Accident and Critical Illness Insurance coverage can help pay for costs that can really add up and eat into their hard earned savings.

Life Insurance

Provide employees and their families with coverage that can help pay the mortgage, funeral or final medical expenses, replace a portion of the lost income or help pay for a child’s college tuition.

Health Matching Account

A Health Savings Account (HSA) can help employee's with high-deductible health insurance plans cover their out-of-pocket costs. Contributions to HSAs generally aren't subject to federal income tax, and the earnings in the account grow tax-free.

Employer Contributions

Most employers are NOT required to contribute towards employee health benefits but once you understand the incentives for doing so, you may decide it's worth it!  Generally speaking; in order to take advantage of most tax incentives, you'll need to pay at least 50% of your employee's monthly premium.  You would only be required to contribute towards "health insurance" premiums and would NOT be required to contribute towards spouse or dependent monthly premiums.  BE SURE to consult your accountant / tax advisor to understand your rights and responsibilities with regard to contribution amounts and requirements to determine the best course of action for your business.  ALSO SEE "FUNDING OPTIONS" BELOW FOR MORE INFORMATION.

What if a small business can’t afford employee health insurance?

If providing traditional employee health insurance is not in the budget, you can still provide a benefit to help your employees get insured.  A Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) allows employers who don’t offer group coverage help their employees pay for minimum essential coverage and other health care expenses. This is a 100% employer-funded option. You give your employees money which they use to pay for insurance they get elsewhere. They can shop on HealthCare.Gov (where they might be eligible for a Premium Tax Credit).

Be aware, QSEHRA payments are paid tax free — which means there are rules and regulations, including reporting requirements and administrative work for the employer. Still, if you’ve made a business decision to not offer health insurance, a QSEHRA might be an option.

How much work is involved in setting up and maintaining group benefits for my team?

As soon as you reach out to us, you will be assigned to an experienced "Business Account Manager".  This executive will be your ongoing point of contact throughout your benefits experience.  Our licensed, certified and experienced account managers offer simple, step by step instructions and guidance.  We will be sure you are properly and compliantly up and running within a matter of weeks NOT MONTHS!  As a business owner, you have better things to worry about then your benefits package so we are here to take the majority of the responsibility off your shoulders.  You (or your assigned staff) should expect to spend approximately one hour per month on your benefits for every ten employees on the plan and most requirements can be completed online.  We can also help you get set up with an HR / payroll service if necessary.  

The first step is to reach out for a free consultation so we can help determine your best course of action. 



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Tax Breaks and Other Incentives for Business

Employee Benefits  Packages

We offer a robust, flexible portfolio that includes both traditional and non-traditional benefit solutions.  From major medical plans to wellness and discount plans, we can customize an affordable package that's PERFECT for your business! 

Small Business Solutions Brochure

How Does Uncle Sam Reward You?

As a business owner, much of the money you put into employee benefits comes back to you in the form of tax breaks and other incentives. Discover how companies are using employee benefit programs to not only improve employee health, but to also create a happy, productive & thriving workforce.

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17+ Years of Professional Partnership

You want to spend your time building your business so leave your benefits to us!  Your dedicated account manager will make sure you understand and comply with your plan and will be available to assist you and your staff with any questions or needs. Click here for your free "employer compliance guide".    

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Funding Options

The Basics of Self & Level Funded Plans

What's the difference between "fully" funded, "level" funded and "self" funded health plans and which one is right for your business?  Watch the video to get a quick, high level overview. 

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Self Funded

These type of plans only require a "Third Party Administrator" (TPA) who will handle the premiums & claims for you because this plan is "self funded" by the employer.  In this case, the employer is assuming even more risk and in return the monthly premiums for this plan type would be less expensive than Level Funded Plans.  There are employer protections in place to ensure you would NOT suffer a catastrophic loss.  In other words, employers would only be responsible up to a specified amount of risk.  (Recommended only for fairly healthy groups).

$ Least Expensive Monthly Premiums
$$$ Most Risk

Level Funded

These type of plans are also offered through the major medical carriers but the group partially funds this plan itself.  In this case, the employer is assuming at least some of the risk and in return the monthly premiums for this plan type would be less expensive than fully funded Plans.  There are employer protections in place to ensure you would NOT suffer a catastrophic loss.  In other words,  employers would only be responsible up to a specified amount of risk.  (Recommended only for fairly healthy groups

$$ Less Expensive Than Fully Funded
​$$ Some Risk

Fully Funded

This would be a standard "group benefit plan" through a major medical carrier (example: Aetna, AM Better, Blue Cross, Cigna, Humana, Keiser, Scott & White, United Healthcare and many more).  Employers can contribute towards the employee premium or they can chose not to.  This would be the most expensive option since the insurance company assumes all the risk of the group.  Premiums are based on the age of the employee / spouse and dependents, type of work & zip code of your business.

$$$ Most Expensive Monthly Premiums
​$ Least Risk

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The information on this page is for general information purposes only and may not be updated frequently. Consult your own tax, accounting, or legal advisor instead of relying on this page as tax, accounting, or legal advice.