For Business
Group Insurance Plans for Florida Businesses
Give your employees the benefits they deserve. We help small and mid-size businesses in West Palm Beach build competitive group insurance packages.
Why Offer Employee Benefits?
In today's competitive job market, a strong benefits package is one of the most powerful tools for attracting and keeping great employees. Group insurance also provides significant tax advantages for your business.
- Attract and retain top talent in a competitive market
- Tax advantages for both employer and employees
- Group rates are typically lower than individual plans
- Improve employee morale and productivity
- Reduce absenteeism with preventive care coverage
- Demonstrate your commitment to employee well-being
Get a Group Insurance Quote
We work with Florida's top carriers to find the best group rates for your business. Tell us about your team and we'll build a custom proposal.
Businesses with 2+ employees
May qualify for group health insurance rates
No obligation consultation
We compare multiple carriers at no cost to you
Group Coverage Options
We offer a full suite of group insurance products to build a comprehensive benefits package for your employees.
Group Health Insurance
Comprehensive medical coverage for your employees and their families. We compare plans from top Florida carriers to find the best fit for your team and budget.
Group Life Insurance
Provide your employees with life insurance as part of their benefits package. Group term life is an affordable way to show your team you value their security.
Group Dental & Vision
Dental and vision benefits are among the most requested employee perks. We offer group dental and vision plans that keep your team healthy and productive.
Group Disability Insurance
Short-term and long-term disability coverage protects your employees' income if they are unable to work due to illness or injury.
Key Person Life Insurance
Protect your business from the financial impact of losing a key employee or owner. Key person insurance provides critical funds to keep your business running.
Supplemental Benefits
Accident, critical illness, and hospital indemnity plans that complement your core group health coverage and provide extra financial protection.
Comprehensive Medical Coverage for Your Team
Group health insurance is the cornerstone of any employee benefits package. Businesses with as few as two employees may qualify for group rates — often significantly lower than what employees would pay on the individual market.
We compare plans from Florida's top carriers — including HMO, PPO, and HDHP options — and help you structure employer and employee contributions that work for your budget.
- HMO, PPO, and High-Deductible Health Plan (HDHP) options
- Employer contributions are generally tax-deductible
- Employees pay premiums with pre-tax dollars
- Qualifies your business for the Small Business Health Care Tax Credit
- Coverage for employees and their dependents
The Benefits Employees Ask for Most
Dental and vision coverage consistently rank among the top benefits employees want — and offering them can set your business apart when recruiting. Group plans deliver far better value than individual policies, with lower premiums and broader networks.
Group Dental
- Preventive care (cleanings, X-rays)
- Basic restorative (fillings, extractions)
- Major services (crowns, root canals)
- Orthodontia options available
Group Vision
- Annual eye exams covered
- Allowances for frames & lenses
- Contact lens benefits
- Discounts on LASIK procedures
Protect Your Employees' Paychecks
One in four workers will experience a disability before retirement. Group disability insurance replaces a portion of an employee's income — typically 60% — when illness or injury keeps them from working. It is one of the most valuable and underutilized benefits a small business can offer.
Short-Term Disability (STD)
- Benefits begin after a short elimination period
- Covers 3–6 months of income replacement
- Ideal for recovery from surgery or illness
- Works alongside FMLA leave
Long-Term Disability (LTD)
- Kicks in after STD benefits end
- Can pay benefits to age 65
- Covers serious conditions and chronic illness
- Protects employees from financial ruin
Business Protection
Key Person Life Insurance
What would happen to your business if you lost a key employee, partner, or owner? Key person insurance provides your business with the financial resources to survive the loss of a critical team member — covering recruitment costs, lost revenue, and business continuity expenses.
This is an essential protection for any small business that relies on the expertise or relationships of one or a few key individuals.
Discuss Key Person CoverageClient stories
Florida Business Owners Who Got It Right
Small businesses across Palm Beach County trust All Horizon to build benefits packages that attract and retain great employees.
"I run a 12-person marketing agency and was losing good employees to larger companies that offered better benefits. Lloyd put together a group health, dental, and vision package that fit my budget and actually got my whole team enrolled. Within six months my turnover dropped noticeably. Benefits are no longer a reason people leave."
Michelle K.
West Palm Beach, FL — Group Health + Dental + Vision
"I have 6 employees and always thought group health was only for bigger companies. Lloyd showed me plans designed for small businesses that were far more affordable than I expected. My employees are healthier and I got a significant tax deduction."
Steve C.
Boca Raton, FL
Group Health Insurance
"One of my key employees had a serious accident and was out for four months. Because Lloyd had set us up with group short-term disability, she received income replacement and came back to work. Without it, I might have lost her permanently."
Nina P.
Delray Beach, FL
Group Disability Insurance
"Adding dental and vision to our benefits package cost less than I thought and made a huge difference in recruiting. Two candidates specifically mentioned our benefits as a reason they chose us over a competitor."
Andre T.
Lake Worth, FL
Group Dental & Vision
100+
Businesses Covered
15+
Years Serving Florida
20+
Carrier Partnerships
$0
Cost to Compare Plans
Build Your Employee Benefits Package
Our advisors specialize in small business group insurance in West Palm Beach and throughout South Florida. Let us design a benefits package that fits your budget and your team.
All Horizon Financial Services · 2101 Vista Park Way, West Palm Beach FL 33411