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A popular employee benefit for both employers and employees is life insurance. Offering it is completely optional but worth considering if you and your employees can benefit from the possible lower rates of insuring a group. If you’re considering including life insurance in your employee benefit package you will have several coverage issues to consider, including whom to cover and the type and amount of coverage to offer.
A benefits package, especially one that offers good health insurance coverage (including dental and vision), helps attract and retain quality employees. Businesses get the tax advantage of deducting plan contributions, including health insurance, life insurance, and pension plans.
Property & Casualty Insurance
Casualty insurance is mainly liability coverage of an individual or organization for negligent acts or omissions. However, the term has also been used for property insurance, aviation insurance, boiler and machinery insurance, and glass and crime insurance. It may include insurance for shipwrecks or losses at sea, fidelity and surety, earthquake, political risk, and terrorism.