Let's have a conversation about how we can help your company get the benefits you want and need.
O U R P H I L O S O P H Y
We believe in taking a holistic approach to benefits. It's not just about a single piece of the benefits package. We want to make sure you and your team have the best possible coverage at the best price.
Following payroll, benefits typically is one of the largest expenses an organization incurs and can be a real difference maker when it comes to talent attraction and retention. Study after study shows that benefits are such a crucial part of the financial compensation package that employees will take a lower wage to gain access to benefits.
We'll provide you with innovative ideas to make sure your benefits plan is complete with everything from health to supplemental benefits and more. Whether we are starting from scratch, filling in any gaps on an existing plan or laying out a brand new strategy to grow into offering full benefits, we are here to help.
What Our Clients Are Saying ...
I highly recommend Bowser Insurance Services. The time spent in researching our insurance options and explaining our options were exceptional. Wendy continues to update us with resources to help us make the best decisions for our family.
-- Tonya F.
E M P L O Y E E B E N E F I T S
Health Plans
Health insurance is the most popular employee benefit. We will look at a variety of options to determine what is best for your organization ... is it a fully insured plan? Perhaps a level-funded program? Self Insured? Referenced based pricing? We will look at them all.
Disability
Having disability coverage gives employees peace of mind. Our ability to earn income is our most important asset and should be insured accordingly. After all, if you're not working because you are sick or hurt, how do you pay all of your daily household expenses, not to mention any additional expenses that arise due to injury or illness?
Life Insurance
Studies show 84 percent of Americans say that most people need life insurance, but only 59 percent own some form of it. Offering life insurance through work is an easy and convenient option for the employee, and when offered, is very popular.
Supplemental Insurance
Health insurance is a blessing, but it doesn't cover all the expenses that arise in a medical situation. A supplemental policy pays the policy holder directly, helping offset additional expenses that crop up after an accident or illness.
Tax Advantaged Plans
Offering a Health Savings Account (HSA) or a Flexible Spending Account (FSA) as part of your benefits plan is a great way to enhance your benefit offerings and can save both the employee and the employee important tax dollars on health-care expenses.
Retirement Planning
Studies show less than half of Americans have more than $1000 in savings. It's getting harder to create an emergency fund, much less plan for retirement. We can help you put together a retirement plan for you and your employees.