It is an exciting time to start a small business and there are a ton of benefits when owning one.  One thing to keep in mind is providing insurance for your employees. Why, you might ask? Because disaster can strike at any minute. If you own a small restaurant; a waitress can slit her finger on a knife and have to make a trip to the emergency room.  Having workers comp will cover her emergency room visit and stitches.

Business owners should have personal insurance as well. Medical insurance will ensure medical bills incurred due to an illness or injury will not wipe out a business's assets. Considering Texas has some of the highest medical costs in the country--costs per person are over 24 percent higher than the national average--going uninsured could potentially bankrupt a Texas business owner if he were to become ill.

It is important for businesses to partner with an insurance broker that understands their business so that the policy can be tailored to fit its specific needs.  For instance, if your business subcontracts some work to others, it is important for the policy to cover the work of those subcontractors.  Otherwise, you may be left out in the cold if one of the subcontractors makes a mistake and your policy doesn’t cover their work.

Cosmo insurance agency has experience providing group health insurance in New Jersey to businesses ranging in size from 2 to 5,000 individuals – all with the same creativity and personal attention that will take the headache off your human resources. We have particular expertise helping businesses navigate the complex Affordable Care Act regulations, which affect groups of over 50 or 100 employees, depending on the state.



15 America Ave., Suite 203, Lakewood, NJ 08701


2 University Plaza Dr., Suite 100, Hackensack, NJ 07601




Posted 2:00 PM

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