protect your people.

Strong benefits help you hire, retain, and support your team. We guide you through group health, dental & vision, life & disability, and group pet insurance with clarity and care.

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Ethos Insurance

Employee Benefits

Struggling to attract and retain good employees?

Compensation matters—but benefits often make the difference when employees are deciding where to work and whether to stay.

A thoughtful benefits package can include group health insurance and supplemental options that support employees without overwhelming your budget.

  • Compete with larger employers
  • Improve retention and morale
  • Support employees beyond their paycheck

Worried about rising benefit costs?

Offering benefits doesn’t have to mean committing to one expensive option. There are flexible approaches that balance cost control with meaningful coverage.

We help evaluate options like level-funded health plans, contribution strategies, and plan designs that align with your goals.

Want to offer more than just health insurance?

Many employees value benefits that protect their income and financial security.

Supplemental benefits such as group life insurance, disability coverage, and dental & vision can add value without large cost increases.

Not sure what actually makes sense for your team?

Every workforce is different. Size, demographics, and industry all influence what benefits will be most effective.

We help design benefits that fit your business today while staying flexible as you grow.

Common Questions

Do small businesses really need to offer benefits?

Not legally in many cases—but benefits can be a powerful tool for attracting and keeping quality employees, even for very small teams.

How many employees do I need to offer group coverage?

Many group plans start with as few as two eligible employees, depending on the carrier and plan structure.

Can employees choose different benefit options?

Yes. Many plans allow for tiered or voluntary options so employees can select what fits their needs while the employer controls costs.

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