• Small Business Health Insurance

What is considered 'small business insurance'? Small businesses, by definition, employ between two and fifty workers.

Type of coverage needed can often depend on the types of employees. Variables such as age, gender, and percentage of those with families, can all play a vital role in the decision.  If the workforce is predominately young and single then their needs will be quite different than if the workforce is older, married and have children. The need for maternity benefits, dental benefits, optical programs, etc., all have to be evaluated.

Some of the basic questions that can assist in evaluating the needs of the company are:
How many employees fall in each age group?
How many are heads of households?
What type of work do they perform?
These evaluations can help guide what benefits will be most needed by them.

Other individual factors that may affects costs include general health, smoker/non-smoker, location, and whether or not the business has any level of risk associated with it (occupational hazard).

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