Choosing the Right Group Insurance for Your Business

Picking the right group insurance isn’t just about checking a box—it’s about finding a plan that fits your team’s needs and your budget. With so many options, it can feel tricky, but at KP Insurance Solutions, we make it simple. Here’s how to choose wisely.

Start by knowing your team. Are they young and healthy, or do they have families needing dental or vision? A basic health plan might work for a startup, but a company with older workers could need more. Ask your employees—they’ll tell you what matters. We’ve seen businesses save by offering high-deductible plans with HSAs for healthy teams.

Next, set a budget. Group plans are cheaper than individual ones, but costs vary. Decide how much you’ll cover—many businesses pay 50-75% of premiums. Also, consider add-ons like life or disability insurance. A client of ours added $10,000 life policies for $5 per employee—small cost, big impact.

Finally, pick the right partner. Look for insurers with strong networks and easy claims. At KP Insurance Solutions, we handle the details, from enrollment to renewals. We’ll find you a plan that’s easy to manage and keeps your team happy.