INSURANCE SOLUTIONS AND EMPLOYMENT BENEFITS

GTM understands the importance of business insurance and how having it can help you grow your company and team of employees, by offering a comprehensive portfolio of solutions.

Workers’ Compensation
In many states, business clients are required to have Workers’ Compensation Insurance when hiring an employee. As a broker, GTM works on your behalf to shop quotes from various carriers to provide you with the most competitive and pre-qualified options, including a Pay-As-You-Go feature (when applicable).

Statutory Disability
New York businesses are required to have a statutory disability policy. GTM can also offer enhanced disability, giving New York employees increased statutory benefits.

Business Owners Policy (BOP)
A new BOP provides custom coverage easily tailored to your specific business needs. When placed in conjunction with your Worker’s Compensation program, discounted pricing may be available. Please contact us for more information.

Health, Dental, and Vision Insurance
For businesses with two or more employees, GTM has partnered with numerous health insurance partners to offer low cost health insurance, health reimbursement arrangements, and dental and vision packages.

Long-Term Disability
Having long-term disability helps protect your workers in the case of injury or illness. GTM’s competitive packages accommodate any business’ budget and provide a valuable benefit to your employees.

Health Reimbursement Arrangements (HRA)
HRAs are a creative option, with a range of budgets, for employers who want to offer a contribution program to their employee for health-related expenses. HRAs allow employees and employers to take advantage of the lower premiums offered by high-deductible major medical plans and keep health costs under control.

Life Insurance
An employer-sponsored life insurance plan takes the headaches away from an employee who normally would have to independently purchase a high cost plan with stringent applicant requirements. GTM offers a variety of life insurance coverage benefits, flexible to the needs of you and your employees.

Flexible Spending Accounts
Flex Plans are one of the best and most inexpensive plans that you can offer to your employees. This plan allows an employee to choose how much money they will spend on medical, dependent care, and health insurance, saving them anywhere from 30% to 40% on their out of pocket expenses. Funds are taken through payroll on a pre-tax basis so both the employer and the employee save on taxes; employers save the entire 7.65% on FICA.

Voluntary Supplemental Benefits
Offering voluntary benefits provides employees an incentive to stay with your company, and provides the opportunity to lower your payroll taxes with each enrolled employee. Benefits that are available include short term disability, critical illness, cancer, accident, and life insurance.

Workers' Compensation/Disability Coverage