by Derek Spencer | May 20, 2026
Over time, I’ve had conversations with people handling employee benefits who did not fully realize brokers or agents existed for group health insurance, or how involved a broker can be beyond simply providing quotes. At first, that may sound surprising. But the more...
by Derek Spencer | May 6, 2026
For many small and mid-sized businesses, ancillary benefits are often added one product at a time. Dental gets reviewed during one renewal cycle. Vision is added later. Supplemental health benefits such as accident, critical illness, hospital indemnity, or disability...
by Derek Spencer | Apr 16, 2026
For many small business owners, the search for group health insurance starts the same way. You research options online, request various quotes, and begin comparing plans. At first glance, they can all seem similar. And then, at some point, the process becomes less...
by Derek Spencer | Apr 8, 2026
For many small business owners, setting up group health insurance feels like a straightforward decision. You choose a plan. Decide how much the business will contribute. Offer it to employees. And from there, it’s easy to assume participation will fall into place. In...
by Derek Spencer | Mar 6, 2026
Remote and hybrid work have evolved from temporary pandemic solutions into permanent workforce strategies. For small and mid-sized businesses, particularly in NJ and NY, this shift has fundamentally changed how companies design, communicate, and administer employee...
