Employee benefits expertise to match businesses of all sizes.

No matter the industry, every business has the same core asset that keeps day-to-day processes running smoothly, supports innovation, and determines growth: its employees. Simply put, your employees are the engine behind your company’s ability to serve its customers. 

We understand the challenges that businesses face when it comes to taking care of their workforce. Employee benefits is about preserving the health and well-being of your business by focusing on your most important asset. 

Employees pay attention to the kind of benefits your company offers. Consider the following:

• When deciding to accept a job offer, 88 percent of employees said that the quality and options of their health, dental, and vision benefits were important.
• In 2019, short-term disability insurance was only available to 40 percent of civilian workers.
• In 2018, 56 percent of employees listed health insurance benefits as a major factor in whether or not they would stay with a company.
• Offering group health insurance can lower your employer taxes by 7.65 percent of employee contributions.

Not having the right employee benefits plan can result in serious implications for the long-term health and stability of your business. With DHW by your side, you can create an employee benefits liability framework that not only supports your business today, but sets your employees up for growth in the years to come. 

We truly enjoy helping our clients by applying our extensive experience in employee benefit plans. Here are just a few ways that we can help: 

Complete market coverage—Our employment benefits liability coverage covers the entire marketplace, leaving no stone unturned for your own personal best-coverage option.

Medical insurance—In an ever-changing benefits landscape, the medical coverage you offer your employees matters. On the surface, it means that your employees get the care that they need to keep them healthy, decreasing sick days and keeping productivity high. Going deeper, it demonstrates a genuine commitment to supporting the safety, health, and well-being of your employees—both on the clock and off. 

Dental insurance—Making health a priority is a workplace trend with long-lasting power—and as an employer, dental insurance is simply one piece of the greater whole. Our dental insurance experts can help you work through the deductibles, co-pays, and co-insurance to find the perfect fit for your workforce.

Vision insurance—Health and wellness plans that include vision insurance typically cover preventative care (eye exams) and corrective lenses (glasses or contacts). Depending on your business and the needs of your workforce, you may also want to provide additional coverage for vision correction procedures. We can advise you on how to structure your vision insurance plan to ensure that both your business and your employees get maximum benefits.

Disability insurance—Disability insurance gives your employees the peace of mind to know that their income is safeguarded in the event of an injury or disability. Of course, every policy is different, and this is particularly true when it comes to disability insurance. You may want to include coverage for total disability, rehabilitation after injury, pregnancy, or mental illness. We can help you make the right choices for your business.

Life insurance—Life insurance is a crucial piece of employee benefits liability coverage. A solid life insurance plan will provide financial protection for the spouses and children of your employees. Reach out to one of our life insurance experts today to discuss how your employer-sponsored life insurance plan can best be structured to provide for survivors.