Business Insurance

Brokerage commission services or fee for service consulting services on all lines of insurance except pensions. Contact Dave Trapp for more further information at 608-784-5433 or 800-344-3948, or email Armitage.

We have access to all major insurance companies in the following lines: Health, Life, Accidental Death, Travel Accident, Disability Insurance, Long Term Care, Dental, Health Savings Accounts, Section 125 Plans, Voluntary Payroll Deduction, Critical Illness and Annuities.

We also have access to Voluntary Benefit Plans available from Aflac, AllState, Direct Benefits, Lincoln Financial, Met Life and Unum.

We provide the following services for our clients:

  • Design and review benefits
  • Bid your benefit plans 60-90 days before your renewal
  • Screen alternatives, present options and place your business with “best” supplier
  • Provide ongoing benefits communication and service
  • Research any area of human resources or benefits management you request

What do you need? Or what do you want to accomplish? And what is your time schedule? Are you spending your insurance dollars to cover your maximum risks, exposures or values you want to protect and not to protect lower small repetitive risk you can self insure, correct or avoid?

Here is where we always start for health insurance, welfare benefits, Property & Casualty, Workers’ Compensation (or any insurance analysis).

“WHAT RISKS TO INSURE?”

See our Guide for More Information on Benefit and Business Insurance

“It’s unwise to pay too much, but it’s unwise to pay too little, too. When you pay too much, you lose a little money…that’s all. When you pay too little, you sometimes lose everything because the thing you bought was incapable of doing the thing it was bought to do. The common law of business balance prohibits paying a little and getting a lot…it can’t be done. If you deal with the lowest bidder, it is well to add something for the risk you run, and if you do that, you will have enough to pay for something better.”                                                                – John Ruskin