Empower Your Team with Comprehensive Employee Benefits

Tailored health, life, and disability solutions to attract and retain top talent

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employee benefits for small businesses

Employee Benefits Strategies for Small Businesses

Offering competitive benefits enhances employee satisfaction, reduces turnover, and strengthens your company culture. At Peterman Insurance Services, our nurse-led expertise guides you through Small Business Health Insurance and Group Life & Disability options—so you deliver the right mix of coverage and cost control for your team.

Small Business Health Insurance

Access group medical, dental, and vision plans designed for businesses with 2–50 employees—featuring flexible networks, turnkey enrollment, and employee education support. Learn more on our Small Business Health Insurance page.

Wellness and Voluntary Benefits
Enhance your package with wellness programs, accident coverage, critical illness, and voluntary supplemental plans that empower employees to customize their benefits.

Group Life & Disability Insurance

Provide financial security with employer-sponsored life insurance, short-term disability, and long-term disability plans—helping employees and their families stay protected during life’s unexpected events. Learn more on our Group Life and Disability Insurance page.

Your employee benefits Questions, Answered

Find clear, concise answers to common employee benefits questions—so you can design a package that balances workforce needs and budget.

Businesses with 2–50 full-time equivalent employees typically qualify. Plan designs, premium rates, and carrier options vary by state and group size.

Employers often pay a percentage of premiums (commonly 50–80%), with employees covering the remainder via payroll deductions. Contribution strategies can influence tax advantages and employee satisfaction.

Limits are based on replacement cost values for your building, equipment, and inventory. Insurance companies use industry-standard valuation tools to set accurate limits.

Employer-sponsored life insurance provides a death benefit—often 1× to 2× an employee’s salary. Disability insurance replaces a portion of income if an employee cannot work due to illness or injury.

Employer contributions for health, life, and disability premiums are typically tax-deductible as a business expense, and employee-paid portions are often made with pre-tax dollars—reducing overall tax liability.

Yes—voluntary benefits like accident, critical illness, hospital indemnity (if available in your State), and legal plan coverage can be offered at no direct cost to your business, giving employees customizable options.