Frequently Asked Questions
We assist with a wide range of benefits, including health, dental, vision, life insurance, disability coverage, retirement plans, and wellness programs. We work with you to customize a package that meets your employees' needs while aligning with your budget.
Business insurance safeguards your company against risks like property damage, liability claims, employee-related issues, and more. We provide tailored solutions, including general liability, workers' compensation, professional liability, and commercial property insurance, to ensure comprehensive protection.
Yes, we keep you informed of changing regulations and ensure your employee benefits program complies with laws like the Affordable Care Act (ACA), COBRA, and ERISA. Our goal is to minimize compliance risks and streamline administration.
We conduct a thorough assessment of your business operations, industry, and risks to recommend the most appropriate coverage. By understanding your unique needs, we provide customized policies that protect your business while keeping costs manageable.
When you are buying life insurance, individual needs vary. We recommend that you talk with one of our licensed sales agents to help determine the right coverage for your lifestyle and your budget. It’s a good idea to consult your attorney or financial advisor for any financial planning advice.
Yes. Should your insurance needs change, you have the flexibility to convert your policy to whole or universal life at various times during the policy’s term. This benefit, however, does expire. If you do decide to convert your term policy to permanent insurance, you won’t have to take another medical exam or reapply.
If your coverage is rated based on the size of payroll, adding additional payroll costs should be reported right away so that your premium can be adjusted to reflect this change. This will invariably result in additional premium costs, and that increase will depend upon the type of business you are engaged in.
There are too many variables to simply estimate a cost. Insurance carriers can have complicated rating systems and require accurate information to determine an actual price. Gallatin Insurance is happy to work on getting you a custom, accurate quote as quickly as possible.
Let us find the right insurance policy for you.
Send us a message and we’ll get back to you with a custom policy that fits your unique needs.