why we are different

Unlike regular local insurance providers who generally deal with only 1 or 2 carriers and probably have little or no experience with group coverage plans, incSurance specializes in group coverage. Because of this, and the fact that we serve business owners and franchisees in 38 states, we truly understand your situation and needs. By dealing with a very wide range of carriers all over the country, we are better positioned to meet both your insurance coverage and spending needs.

incSurance will assist you in achieving the best possible coverage. In most states we represent up to 20 carriers with each offering numerous plans with a variety of options to customize the plans to your unique circumstance. The available options include both group and individual coverages (traditional indemnity, PPO, HMO, HSA) with varying deductibles, co-pays, out-of-pocket maximums and prescription drug coverage benefits. Other options such as accident riders (which strongly appeal to younger insureds as accidents are their primary risk); critical illness coverages; short and long term disability coverages; group life insurance; and Section 125 Plans (which allow employees to pay for their share of benefits with pre-tax dollars) are also available. In addition, we also provide simplified issue very low cost short-term medical coverage (up to 11 months) which can fill in gaps and be very useful in a variety of circumstances. incSurance will work with you to sort out the options and help choose the best plan for your specific situation.

your insurance needs change with the river of life

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