Voluntary benefits

Voluntary benefits, otherwise known as supplemental insurance or employee-paid benefits, are products, benefits, or services offered by employers but mostly or fully paid for by employees via payroll deductions at a reduced group price. Voluntary benefits include things like life insurance, dental insurance, vision insurance, and disability income, to name a few.

Voluntary benefits allow employers to offer more extensive coverage without added costs, and help employers save on taxes. Since premiums are paid via automatic pre-tax payroll deductions, employers pay less payroll taxes—a win-win for you and your employees.

If you’re running a company with as few as two people or as many as 10,000, you should consider offering voluntary benefits. Voluntary group insurance can be more affordable, , has minimal participation requirements, and offers guarantee issue on some products. These benefits can help you attract and retain talent and stay competitive.


  • General Liability
  • Property
  • Auto Liability and Fleet Management
  • Boiler and Machinery
  • Transit and Cargo
  • Umbrella and Excess Liability
  • Active Shooter Insurance
  • Kidnap, Ransom and Extortion
  • Political Risk
  • Environmental
  • Pollution Liability
  • Product Liability and Clinical Trials
  • Workers’ Compensation
  • Professional Liability
  • Surety Bonds
  • International Risk
  • Builders’ Risk
  • Crime and Dishonesty
  • Terrorism and Sabotage
  • Fire, Flood and Earthquake
  • Risk Control and Management
  • Safety and Security Programs
  • Cancer Insurance
  • Group Insurance Programs
  • Cyber Liability
  • Inland/Ocean Marine
  • Garagekeepers Liability