Employee Benefits

employee benefits insurance

Commercial Insurance Services has partnered with industry leaders to offer a flexible range of health care insurance and retirement services. We can take care of all your employee benefit needs. Our scalable product offerings enable businesses of all sizes to offer benefits that will be attractive to their employees. Let us tailor a set of employee benefits that will help make you an employer of choice.

An effective employee benefits package is an integral part of any company’s effort to attract and retain the best possible employees. We look forward to helping you provide your employees with the best choices in insurance coverage.

Group Health

Health benefits are provided by a company as a benefit to their employees at a discounted group rate.
Commercial Insurance Services provides cost-effective, easy-to-manage employee health benefit programs for your business. As employee benefit specialists, we customize, implement, and manage group health insurance plans that best meet the unique needs of each business and its employees.
Our knowledge of the ever-changing employee benefits and healthcare arena, combined with our strong relationships with key benefits providers, allows us to offer our clients the highest quality benefits programs at the most competitive prices. Because every business is different, we take the time to find the right health insurance plan for your employees.


Business owners realize that their employees want more than just medical coverage. Extensive research indicates that a comprehensive benefits package is a crucial factor in recruiting and retaining employees. We offer an extensive range of flexible dental coverage from the finest carriers.


It is important to us to bring vision benefits to our customers that truly reflect our dedication to high quality products that are flexible enough to meet the needs of today’s diverse workforce. We currently provide businesses with several group vision plans which are available on an employer-paid or voluntary basis, and each can be designed to allow each employee to balance features and value. Like all of our products and services, our Vision plans are backed by our commitment to excellent customer service.

Group Life

Life Insurance is a policy that will pay a specified sum to beneficiaries upon the death of the insured.
Term Life Insurance provides a death benefit but no cash build-up or investment component. The premium remains constant only for a specified term of years, and the policy is usually renewable at the end of each term. While almost any term is available, Commercial Insurance Services has chosen to focus on 10, 15, 20 and 30 year terms.

While Whole Life Insurance is typically considered a rather conservative area of money management, there is still room both for risk-taking employees as well as fiscally-conservative ones. Whole Life Insurance offers the appealing and tangible benefit of guaranteed cash value. Whole Life Insurance will certainly appeal to those employees who like the safety and certainty of a sure thing. The low risk of Whole Life Insurance is reflected in its higher premiums.

Group Disability

While Life Insurance is probably the cornerstone of any insurance package, Disability Insurance is arguably just as important, especially Long-Term Disability Insurance. Employees can gain a greater degree of protection and security through Commercial Insurance Services’ Disability Insurance offerings.

Realistically, no working-age employee should be without disability coverage. In fact, at any given time, one has a greater chance of becoming disabled than of dying. Disability plans provide income replacement and benefits continuation if one is unable to work for an extended period of time.

Long-Term Care

Long-Term elder or dependent care can be a wrenching life event both financially and emotionally. As the elder population increases, more consumers than ever can benefit from Long-Term Care coverage.
Commercial Insurance Services is proud to help you provide your employees with the emotional and financial peace of mind that comes from the finest Long-Term Care coverage.

Long-Term Care insurance policies help to pay for certain long-term care, both medical and non-medical. Long-Term Care coverage can help prevent medical care costs from depleting your employees’ hard-earned savings. Additionally, Long-Term Care insurance allows for in-home care and that means your employees can maintain their dignity and independence.

Buy-Sell Agreement

A Buy-Sell Agreement is a contract among partners in a business. In the event of a loss of a partner, the company’s interest is transferred according to the terms of this contract. The other partners are obligated to purchase the deceased’s partner’s interest and the deceased’s heirs are obligated to sell. This insures a smooth transition of ownership and protection of your company’s financial future.

Key Man

Key Man Insurance is designed to protect a business against the loss of income resulting from the disability or death of an employee in a significant position. Key Man Insurance is most often used in small–to medium–sized law businesses where the death of a key person could severely affect the stability or profitability of the company. Many companies do not survive the death of a key person because the knowledge, skills, contacts, or business relationships of the key person are so hard to replace. A Key Man Insurance policy will give your company the buffer it needs to survive the death of a key man.

401 (K)

A 401(k) plan is an arrangement that allows an attorney to choose between taking compensation in cash or deferring a percentage of it to an account under the plan. The amount deferred is usually not taxable to the employee until it is withdrawn or distributed from the plan. However, if the plan permits, an attorney can make 401(k) contributions on an after-tax basis, and these amounts are tax-free when withdrawn. 401(k) plans are a type of retirement plan known as a qualified plan.

Offering Choices for Your Employees

Offering Choices for Your Employees

“An effective employee benefits package is an integral part of any business’ effort to attract and retain the best possible employees.”

Health Insurance Carriers

  • Oxford/UnitedHealthcare
  • Aetna
  • AmeriHealth
  • Cigna
  • Blue Cross Blue Shield
  • EmblemHealth
  • MVP (through NY Health Alliance, Private Exchange)
  • CareConnect (also available through NY Health Alliance, Private Exchange)
  • Medova – Lifestyle Health Plans
  • National General Benefits Solution
  • HealthPass (Oxford, CareConnect – Private Exchange)

Life/LTC/LTD Insurance Carriers

American General
American National (ANICO)
Ameritas (Union Central)
Accordia (Athene/AVIVA)
William Penn (NY)
Banner Life
Columbian Mutual
Fidelity Life (non-NY)
John Hancock
Liberty Mutual
Lincoln Financial Group
Mass Mutual
Minnesota Life
Mutual of Omaha
Companion Life (NY)
National Life of Vermont
Principal Life
Protective Life
Securian Life
The Standard
Sun Life