Your broker should be able to give you a quote listing rates for several insurance companies. Comprehensive quotes like this will save you hours on the phone trying to obtain this information on your own.

Complete application includes:
1. Employer and employee applications
2. Waiver forms
3. 1st Months Premium
4. Proof of business documents

At approval you will receive your policy, final rates, and all insurance cards.

Throughout the year you will need to make changes to your policy when you add or delete employees. You may encounter billing issues or your employees may have claims disputes. A good broker will take care of these issues for you.

Group polices renew annually. At this time you can stay on the same plan, change your plan and/or change insurance companies. Your broker should help you make these important decisions from year to year.