Employee Benefits That Help You Hire, Retain, and Compete
You don’t need a large company or budget to offer benefits your team will truly value. Callie helps small business owners build competitive employee benefits packages and navigate them year-round.
employer-sponsored benefits
Your Employee Benefits Package, Built Right
A well-built employee benefits package doesn’t have to be complicated or expensive. The right combination of coverage gives your team real financial security and gives your business a real edge in hiring and retention. Here’s what a competitive small business benefits package typically includes.
Group Health Insurance
Group health insurance is the foundation of a competitive employee benefits package. As an employer, you sponsor a plan and share the premium cost with your employees. Giving your team access to healthcare coverage that’s typically far more affordable than anything available on the individual market.
Know before you offer it:
- Small group plans (typically 2–50 employees) have their own market with specific carrier options and pricing
- Employers choose how much of the premium to contribute so there’s flexibility in how you structure the cost split
- Plan types include HMO, PPO, and HDHP options, each with different network structures and out-of-pocket costs
- Employer premium contributions are generally tax-deductible as a business expense
Group Life Insurance
Group term life insurance is one of the easiest and most affordable employee benefits you can add to your package. Employees receive a death benefit typically one to two times their annual salary at group rates they couldn’t access individually.
What it provides:
- Financial protection for employees’ families in the event of their death
- Coverage that doesn’t require individual medical underwriting for most group sizes
- Optional supplemental life coverage employees can purchase for themselves or dependents
Why employers offer it:
- Low cost relative to the perceived value for employees
- Strengthens your overall employee benefits package without significantly increasing spend
- Simple to administer and easy for employees to understand
Short & Long-Term Disability
Most employees couldn’t cover their basic expenses for more than a few weeks without their paycheck. Disability insurance closes that gap and offering it signals that your business genuinely has your employees’ backs.
Short-term disability:
- Replaces a portion of income (typically 60%) for a short period after an illness or injury
- Bridges the gap between the incident and recovery or long-term disability activation
Long-term disability:
- Kicks in once short-term coverage ends
- Can replace income until retirement age or longer depending on the policy
Why it matters:
- More than 1 in 4 workers will experience a disability before reaching retirement age
- Offering disability as part of your employee benefits package demonstrates genuine investment in financial security
- Often available as a voluntary benefit employees can self-fund through payroll deduction at no direct cost to the employer
Key Person & Buy-Sell Life Insurance
Your business depends on certain people. Key person life insurance protects the company financially if a critical owner or employee passes away unexpectedly, covering lost revenue, recruitment costs, and business continuity. A buy-sell policy takes it further, ensuring surviving partners have the capital to purchase a deceased partner’s share without a legal or financial crisis.
What it provides:
- Death benefit paid directly to the business, not a personal beneficiary
- Funds to recruit and replace a key employee or owner
- Buy-sell agreement funding so ownership transitions happen on your terms
- Coverage for outstanding business loans or lines of credit
Why it belongs in your benefits strategy:
- Premiums are a business expense
- Protects the business, the partners, and every employee who depends on the company
- Most overlooked gap in a small business owner’s protection plan
Who We Help With Employee Benefits
Employee benefits guidance for small business owners at every stage, whether you’re offering benefits for the first time or re-evaluating what you currently have.
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Business owners offering employee benefits for the first time
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Growing teams ready to move beyond bare-minimum coverage
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Employers whose current plan renewed at a significant rate increase
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Owners who want a second opinion on their current employee benefits package
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Businesses that have lost employees to competitors with better benefits
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Owners who want benefits consulting without adding HR overhead
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Small businesses with 2–50 employees navigating the group market
Our Employee Benefits Expertise
NavaQuote approaches employee benefits as an independent broker working for your business, not for a single carrier. That means we shop the market, compare options, and give you an honest recommendation based on your team size, budget, and goals.
- Small group health insurance (2–50 employees)
- Group dental and vision insurance
- Group life and disability insurance
- New employee benefits package setup and enrollment
- Annual plan review and renewal strategy
- Employee benefits consulting for small businesses
- Year-round support for both employers and employees
- Voluntary benefits employees can fund through payroll deduction
Why Work With Callie
Most small business owners don’t have a dedicated HR team managing employee benefits. They’re making decisions that directly affect recruiting, retention, and employee wellbeing without a specialist in their corner.
That’s exactly what Callie is here for.
As an independent employee benefits broker, she works with your business the way a trusted advisor would: understanding your goals, explaining your options honestly, and helping you build a package your team will genuinely value — without overcomplicating it or overcharging for it.
When you work with NavaQuote on employee benefits, Callie will:
- Learn your business: team size, budget, and what matters most to your employees
- Shop the small group market and present your best options side-by-side
- Walk you through plan structures, cost-sharing strategies, and enrollment logistics
- Be available year-round, not just at renewal for employer and employee questions
- Review your plan annually and flag better options when they become available
Employee Benefits Resources
Recent Articles & Guides
Why Short Term Disability Insurance is a Must-Have for Protecting Your Income
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