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Home > Commercial-Products > Coverage for Your Employees - Cape Coral FL & Fort Myers FL

Employee Benefits


Employee Benefits Information

Coverage for Your Employees in Cape Coral, FL and Surrounding areas Throughout Florida


Business owners are obligated to provide certain insurance benefits to all of their employees, and many even offer perks beyond the legally required policies. However, buying, implementing and managing a strong, trusted benefits program requires commitment and considerable costs. It is only natural that you would want to put together a policy package that offers both optimized coverage and affordability, both for your company and your employees.  

Flagler Insurance Agency is your one-stop shop for all commercial insurance solutions. We’re committed to helping every business owner create a strong employee benefits portfolio without an excessive cost burden. You can rely on us to always deliver on our promises, and to us, the work doesn’t stop just because you have bought your coverage.  

Call us at 239-274-9200 or request a quote online for the benefits options of your choice.  

Our Benefits Offerings  

Under the Affordable Care Act (ACA) most employers are required to offer health insurance benefits to all of their employees. However, health insurance alone is just a starting point. A vast marketplace of employee benefits are available for all businesses.  

As the party that will implement and pay for these benefits, you can work with your commercial insurer to set up, manage and distribute these benefits to all qualifying employees.  

Policies to consider for your business include:  

  • Group Health Insurance: A group health plan allows employers and employees to share premium costs, which significantly reduces an employee’s personal expense for their essential health insurance benefits.

  • Dental Insurance: Standard health insurance often does not include dental insurance, but benefits offer you coverage for everything from routine cleanings to more complicated oral surgeries and orthodontics.

  • Vision Insurance: Having regular vision exams helps individuals maintain healthier eyesight and catch developing problems before they can get worse.

  • Group Life Insurance: A group life insurance plan is a term plan that allows participating employees to enroll in guaranteed-issue coverage. Applicants won’t be denied enrollment just because they have a pre-existing condition that might make it hard to qualify otherwise.

  • Business Life Insurance: Key person and buy-sell funding policies enable business partners and other company principals to insure themselves so that the business will receive their death benefit, and therefore withstand the further ramifications of their loss.

  • Short/Long-Term Disability Insurance: A disability insurance policy can provide income support following a disability that forces the employee off the job and causes a termination in their standard paycheck. It is different from workers’ compensation insurance because it will apply even when someone gets injured in a non-work-related accident.

  • Long-Term Care Insurance: If someone needs care in a nursing home, home health aid, adult daycare services or other assistance related to disability or aging, then this coverage can help supplement these costs beyond what standard health insurance will pay.

  • Hospital Indemnity Plans: A hospital indemnity plan can help you cover costs that remain even after your standard health insurance pays for a loss (I.e. deductibles, coinsurance, copayments, ambulance fees).


Further options that you can weave into your commercial insurance package include voluntary benefits programs, 401(k) matches, and flexible spending accounts (FSAs). All benefits are competitively priced and customizable to the individual employer.  

How We Can Help You  

Here at Flagler Insurance Agency, we understand how essential it is for your benefits packages to remain affordable and integrated within your full risk management and employment strategy. That’s why we aren’t just a sales point, but a long-term partner that is committed to helping every company continue to maintain their benefits packages for years to come.  

When you come to us, you’ll have access to numerous expert services, including:  

  • Compliance reviews for both COBRA and ACA standards

  • Annual reviews of all benefits

  • Optimized renewal options

  • Premium reviews and competitive bids for new coverage

  • Full resources to provide benefits information to employees

  • Assistance with claims resolutions


Our job is to make sure your benefits provide exceptional protection for your employees without placing an unfair cost burden either on yourself or your plan participants. You can rely on us to make the process easy for you.
 

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Corporate Office

250 Royal Palm Way
Palm Beach, FL 33480

P: 239-274-9200 | Toll-Free: 866-998-6155 | Fx: 239-791-8643
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