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No matter what the size is of your business you will need some level of insurance to protect you and your business. For small businesses, insurers often combine a number of insurance policies into a package sold as a single contract. The most common policy for small businesses is the Business Owners Policy (BOP).
There are group products available for:
Life, Auto, Health, Disability and Voluntary Benefits, most of which don’t cost the employer anything to offer to their employees. Examples are: Dental, Vision, Accident, Cancer, Critical Illness. Voluntary benefits pay benefits directly to the employee and the monthly cost is paid for directly through an employee payroll deduction.
Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.