California Group Health Insurance Products
Bradley Associates specializes in virtually all types of insurance for self-employed individuals, small groups, and other business types. Here is a list of the most common types of insurance available to businesses.
Business Life Insurance
Are you a business owner or a business partner? Did you know that Business Life Insurance is one of the most efficient and effective ways of structuring how your business will continue if you or your partner passes away? And if you are a partner, do you really want your partner's family to have control over your business's future?
With a little planning, life insurance in combination with a legal agreement, will clearly spell out the future of your business. Your family will take comfort knowing that they will have access to IMMEDIATE funds to keep your business alive...all for a small price.
California Small Group Health Insurance
California small group health insurance plans are available to groups with a minimum of 2 and typically a maximum of 50 fulltime employees. A minimum of 2 employees or business owners must enroll to be eligible except in special situations. Health insurance carriers require 75% of all eligible employees to enroll. If an employee already has group health insurance through their spouse, is on Medicare then that employee can be waived without affecting the group participation requirement.
Businesses who wish to only offer group health insurance coverage to a select group of employees may be eligible for a management carve out plan. A management carve out is designed to insure managers only. A minimum of 2 managers must enroll to be eligible. In addition to management carve out, we can also provide class carve out, salary versus hourly carve out, and location carve out programs. We can provide group carve out strategies down to two employees with guarantee issue coverage.
We specialize in working with very small and closely held groups, often under 5 employees. We work with the following business arrangements:
- Sole Proprietor with DE-6 Payroll
- Sole Proprietor without DE-6 Payroll
- Partnerships and LLPs
- Corporations and LLCs
- Employers with 1099 Contract Employees
- Employers with Seasonal Employees
The advantage of a having a small group health plan is that it is guaranteed issue to all members of the group regardless of their current health status. Also, employers and employees have the benefit of paying for their health insurance with pre-tax dollars to help reduce their amount of taxable income.
Other Types of California Business & Small Group Insurance Products
- Long Term Disability Insurance
- Life Insurance
- Dental Insurance
Request a California Business Insurance Quote
To request a personalized California business insurance quote please complete the form below. We will contact you within 48 hours. If you need immediate assistance please call 800-500-1916.