Services
OUR SERVICES
BENEFIT CONSULTATION
Not just a vendor- More than just choosing benefits off of a menu/spreadsheet of products we work with business owners to develop a cohesive package focusing on all holes that were created by the ACA.
ONE ON ONE EDUCATION
Not your average broker. We provide a hands on approach working directly with employees to understand benefit offerings and streamline the enrollment process for employers and HR professionals. With individual consultation we help business with employee retention and employee satisfaction.
TAX SAVINGS
Premium Only Plans/Section 125
Are you a business owner looking for help on payroll taxes? This may be a solution for you. Legal document that allows a business to pretax Health premiums and other benefit elections. **Provide free when utilize our agency** Contact us now to find out how.
BENEFIT ADMIN
Are you looking for one place for benefit enrollment, payroll, and HR administration? Benefit Admin systems allow HR Professionals and employers streamline the workload of administering benefits and staying in compliance with changing regulations.
FSA/DEPENDANT DAYCARE
Does your Health Insurance Policy have copays? Do you have children in daycare? FSA/Dependent Daycare is a way to save tax dollars to help with out of pocket medical expenses and childcare.
HSA ADVISEMENT
Are you on a high deductible/qualifying health Insurance plan? Add an extra layer of savings, HSA’s are tax-free accounts that help with out of pocket medical expenses.
Products & Policies
Health & Benefits
Health Insurance
Health insurance covers essential health benefits critical to maintaining your health and treating illness and accidents. We all know health insurance is important but it’s always changing, confusing, and intimidating. We help you navigate the options that best fit your medical concerns and needs.
Disability
If you were unable to work for an extended period of time due to an injury or an illness would the loss of your paycheck cause a financial burden on you and/or your family? Protect your largest asset, your ability to work with a disability plan. We have various coverage options that will replace a portion of your income.
Medicare Supplement
Turning 65? Were your go to for medicare supplements.
Accident
We live in a beautiful place – the great state of Montana. We work hard, play hard, and unfortunately accidents happen. If you unexpectedly get hurt, are you financially prepared to cover all of your expenses including your health insurance deductible and bills at home?
Hospital
Are you concerned with your high deductible health plan or out of pocket risk? Are you planning on starting a family? Do you have a medical condition where you could end up being hospitalized? Hospital Plans pay cash benefits towards hospitalization for injuries, illnesses, and even having a BABY. This plan gives you peace of mind that an unexpected trip to the Emergency Room or an overnight hospital stay won’t drain your bank or savings account.
Cancer
Unfortunately, we all know someone who has had cancer. We know it’s a financially devastating critical illness and is becoming more prevalent. Cancer plans pay you cash directly to help with unexpected expenses such as travel and lodging or home health care that health insurance doesn’t cover.
Critical Illness
Fact? Do you know someone who has been in the ICU for any reason? Have you seen someone suffer a major critical illness (i.e. Heart Attack, Stroke, Liver Failure)?
Dental
Are you looking for ways to improve your health? You can start by taking care of your teeth. Are you aware that most dental providers recommend you have two dental cleanings a year?
Vision
An inexpensive policy that helps with eye exams, treatments, and corrective materials.
Life
From term life to whole life, we have options to give you peace of mind that your family and what you leave behind will be financially taken care of. We represent a variety of carriers to find you what you need.
Property & Casualty
Homeowners/Property Insurance
A home insurance policy can protect your property, some of your personal possessions and you. After a long day at work, coming home should be relaxing and knowing you have the proper coverage on one of your most important assets is priceless. We can start protecting your home, belongings, and peace of mind.
Auto Insurance
If you live anywhere, you drive, your family drives, let us give you peace of mind by putting together an Auto policy with coverages specific to you and your family’s needs for those unknown and uncertain moments during an accident or a claim, we will be there.
Umbrella Insurance
Personal or Commercial umbrella insurance is a type of insurance designed to add extra liability coverage over and above another insurance policy, such as auto or homeowner’s, commercial property insurance. Gives the extra coverage for those owning businesses or needing that the extra coverage to protect their assets in the event it is needed.
Inland Marine
Covers a wide range of specific property and materials, that are movable for personal and commercial coverages.
VRBO/AirBNB Rental Properties
Short-term vacation rentals do not fit into one insurance category, so we have an option just for your specific short-term rental properties.
Small Business Insurance
General liability is recommended for all businesses and every small business needs general liability insurance. This policy provides protection against common customer or client incidents, including bodily injuries, property damage, and advertising injuries.
Farm/Ranch Insurance
Provides insurance protection for your home and household personal property in your dwelling, like clothes, furniture, and appliances if you live on your farm or ranch. Provides insurance protection for Farm Personal Property (such as farm machinery, grain, livestock, and farm tools) that you use in your farming operations.
Commercial Insurance
Plain and simply, commercial insurance is insurance that protects businesses. It covers businesses against losses, arising from things like damage to property or injury to employees. Commercial insurance comes in many forms, and what you’ll need will depend upon your business. Your typical tradesmen would probably need more commercial insurance cover than a professional writer, for instance, because risks vary from business to business. Let us help you protect your business for your specific needs.
Commercial Auto
Commercial auto insurance is a policy of physical damage, medical payments, and liability coverages for amounts, situations, and usage not covered by a personal auto insurance policy. It protects small businesses when a company-owned vehicle is involved in a collision, stolen, vandalized, or otherwise damaged.
Workman’s Compensation (Work Comp.)
Workers’ compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work and it usually protects employers from lawsuits by workers injured while working.
WE REPRESENT A WIDE VARIETY OF CARRIERS
AREAS SERVED
We proudly serve businesses in Bozeman, Belgrade, Big Sky, West Yellowstone, Livingston, and many other locations in the Gallatin valley and surrounding areas.