ALISON JAMES & ASSOCIATES
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Group Benefits

Having the proper business insurance coverage at an affordable rate can make the difference between the success and failure of your business. Allow our commercial insurance experts to help guide you to success.

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What are Group Benefits?

Group benefits are insurance that covers a group of people who are usually the members of societies, employees of a common employer, or professionals in a common group. 

Group coverage helps reduce premium costs because it reduces the insurance carrier's risk by creating a pool of people to insure who are together for reasons other than obtaining insurance. Group benefits can also be a powerful incentive to keep and attract great employees.

Major Types of Group Benefits

Group Health Insurance 
Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees. 

Group Life Insurance
Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group.

Group Disability Insurance
Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD).

Group Accident/Supplemental Insurance
Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover in the event of an accident or other covered loss.

Group Dental/Vision Insurance
When organizations want to offer the best dental and vision care benefits to attract and retain the best employees they need to work with our group dental and vision experts. We have access to the benefit plans that will keep your group members, employees, and their families healthy. 

Contact us to learn more about the right benefits for your group.
(917) 554-2202
999 Riverview Drive 
2nd Floor 
​Totowa, NJ 07512​
Click Here to Email Us
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Alison  James  & Associates
999 Riverview Drive
Suite 201
Totowa, NJ 07512
(917) 554-2202​
Click Here to Email Us

Location

  • Home
  • About
    • Meet the Owner
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers >
      • B-Insurance Carriers
    • Accessibility Statement
    • Newsletter Signup
  • Insurance Solutions
    • Commercial Insurance >
      • Business Insurance
      • Trucking Insurance
      • General Liability Insurance
      • Commercial Property Insurance
      • Professional Liability Insurance
    • Workers Compensation
    • Business Owners Package (BOP) Insurance
    • Employee Benefits >
      • Group Benefits
      • Voluntary Benefits
    • Health >
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Vision Insurance
    • Life >
      • Disability Insurance
      • Umbrella Insurance
    • Medicare >
      • Medicare Advantage Plans
      • Medicare Supplement Coverage
      • Medicare Prescription Part D
    • Vehicles >
      • Auto Insurance
      • Boat Insurance
    • Property >
      • Home Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Event Insurance
      • Pet Insurance
  • Quotes
    • Commercial Insurance Quotes >
      • Voluntary Benefits Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Business Insurance Quote
      • Trucking Insurance Quote
      • Workers Compensation Quote
      • General Liability Insurance Quote
      • Commercial Property Insurance Quote
      • Professional Liability Insurance Quote
    • Personal Insurance Quotes >
      • Auto Quotes >
        • Auto Insurance Quote
        • Boat Insurance Quote
      • Health Quotes >
        • Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Vision Insurance Quote
      • Life >
        • Disability Insurance Quote
        • Umbrella Insurance Quote
      • Property Quotes >
        • Home Insurance Quote
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Other Quotes >
        • Event Insurance Quote
        • Pet Insurance Quote
  • Services
    • Policy Review
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Report a Claim
    • Online Documents
    • Free Consultation
  • Blog
  • Contact