What does Employee Benefits Include?
Employee benefits are the package of health, life, disability, and supplemental coverages an employer offers alongside salary to protect employees and their families. A well-built benefits program is one of the most effective tools a business has to attract talent, reduce turnover, and keep its team healthy and productive.
At Saint Moore Insurance, we help businesses of all sizes design and manage benefit packages that fit their goals and budget. Whether you are a small startup hiring your first employees or a growing enterprise refining an existing plan, we build around group health, dental and vision, group life, disability income, and pre-tax savings accounts, with access to top national and regional carriers.
As an independent, carrier-neutral agency, we work for you, not the insurance companies. We shop the market on your behalf, guide you through ACA, ERISA, and COBRA compliance, and stay involved year-round with enrollment and claims support. Because benefit-plan sponsors carry personal liability under ERISA, many employers pair their program with Fiduciary Liability insurance.
Our Employee Benefit Insurance Services
Group & Individual Health Insurance
- PPO, HMO, and high-deductible health plans (HDHPs)
- ACA-compliant and level-funded options
- Access to top national and regional carriers
- Coverage for both employer groups and individual employees
Dental & Vision Coverage
- Affordable preventive and full-service dental plans
- Vision plans covering exams, lenses, and frames
- Voluntary and employer-sponsored options
Group Life & AD&D Insurance
- Basic employer-paid life and accidental death coverage
- Supplemental life options for employees and dependents
Individual Life & AD&D Insurance
- Term and universal life options for owners and key people
- Long-term care riders for added protection
Short-Term & Long-Term Disability
- Income protection for unexpected injury or illness
- Return-to-work programs and flexible waiting periods
Flexible Spending Accounts (FSAs) & Health Savings Accounts (HSAs)
- Pre-tax savings for healthcare and dependent care
- Tools to manage rising out-of-pocket costs
Employee Assistance Programs (EAPs)
- Support for mental health, legal, financial, and wellness needs
- Confidential and available 24/7
Voluntary Benefits
- Critical illness, accident, and hospital indemnity coverage
- Customizable to complement your core benefits
Who Needs Employee Benefits?
If your business has employees, a competitive benefits package is one of the clearest signals that you value your team. Employee benefits are a strong fit for:
- Startups offering benefits for the first time to compete for talent
- Small businesses that want group health without the administrative headache
- Growing companies adding dental, vision, or voluntary coverage to an existing plan
- Established employers reviewing rates and carriers to control rising costs
- Business owners who want their own coverage through a group plan
- Organizations that need help staying compliant with ACA, ERISA, and COBRA
Employee benefits also work hand in hand with other business coverages. Many employers add Workers' Compensation, a Business Owner's Policy, and Employment Practices Liability (EPLI) to protect the company alongside their team.
Group and individual medical plans including PPO, HMO, and high-deductible options. ACA-compliant and level-funded, with access to top national and regional carriers.
Round out core medical coverage with affordable dental and vision plans, plus group life and AD&D, available as employer-sponsored or voluntary employee-paid benefits.
Protect employee income with short and long-term disability, and help your team manage costs with pre-tax FSA and HSA accounts, EAPs, and voluntary benefits.
How to Build Your Employee Benefits Package
Getting covered is simple. Here’s how to get your policy started with Saint Moore in four easy steps.
Setting up benefits with Saint Moore is straightforward, and we handle the heavy lifting at every step.
Step 1: Tell Us About Your Team
Share your headcount, current coverage, and what you want to offer. This helps us understand your goals, budget, and any compliance needs.
Step 2: We Shop the Market
As a carrier-neutral agency, we compare plans and pricing across top national and regional carriers to find the right fit, not the one that pays us most.
Step 3: Review Your Options
We walk you through clear, side-by-side plan comparisons and recommend a package that balances coverage, cost, and value for your employees.
Step 4: Enroll With Confidence
We manage enrollment, onboard your team, and stay on as your year-round partner for service, claims, and renewals. Your benefits are live and your people are covered.
Local roots. Nationwide reach.
St. Moore is headquartered in Redlands, CA, and deeply rooted in the Inland Empire but our carrier network covers all 50 states. Whether you're a local homeowner, a regional business, or have assets across multiple states, we have the market access to protect them.
Let's Build a Better Benefits Package
Whether you are offering benefits for the first time or reviewing an existing plan, we will help you put together coverage your employees value. Contact Saint Moore Insurance for a complimentary consultation or benefits review.
