Essential Benefits Your Employees Expect
The foundation of any strong employee benefits program starts with comprehensive health coverage. These core benefits protect your team’s physical and financial wellbeing and set the tone for your entire benefits offering.
Group health insurance is the cornerstone of employee benefits. It provides your workforce with access to medical care, including doctor visits, hospital stays, specialist consultations, prescription coverage, and preventive care. Offering group health coverage helps you compete for qualified candidates and reduces absenteeism by keeping your team healthy. We work with leading carriers to find plans that balance comprehensive coverage with manageable premiums for both you and your employees.
Dental health is directly connected to overall health, yet it is often overlooked in benefits packages. Group dental insurance covers preventive care including cleanings and exams, basic restorative procedures like fillings, and major services including crowns and oral surgery. Employees with dental coverage are more likely to seek preventive care, reducing the risk of more serious and costly conditions. Group plans provide significantly better rates than individual dental policies.
Expand Your Benefits Program
A complete employee benefits strategy goes beyond the basics. These additional coverages address the full range of employee needs and help you build a program that truly differentiates your organization as an employer.
Critical Illness Insurance
Pays a lump-sum benefit directly to the employee upon diagnosis of a covered critical illness such as cancer, heart attack, or stroke. The cash benefit can be used for any purpose, including out-of-pocket medical expenses, mortgage payments, or living costs during recovery. Critical illness coverage provides a financial bridge when a serious diagnosis changes everything.
Disability Insurance
Short-term and long-term disability insurance replaces a portion of an employee’s income if they are unable to work due to illness or injury. Disability is one of the most underappreciated risks employees face. Group disability coverage provides income protection that keeps financial obligations manageable when health prevents someone from earning their regular paycheck.
Group Voluntary Benefits
Voluntary benefits are supplemental coverages that employees elect and pay for through payroll deduction at group rates. They allow employees to customize their benefits package to fit their individual needs and life stage, while giving employers a way to expand their offerings without adding to payroll costs. Options range from legal services and identity theft protection to pet insurance and more.
Life and Accidental Death & Dismemberment
Group life insurance provides a death benefit to an employee’s designated beneficiaries. Accidental Death and Dismemberment (AD&D) coverage adds an additional benefit paid in the event of death or serious injury caused by a covered accident. Together, these coverages provide a foundational level of financial protection for every employee’s family at a low cost to the employer.
Employee Assistance Plan (EAP)
An Employee Assistance Plan provides confidential counseling, mental health support, financial advice, and legal referrals at no cost to employees. EAPs help employees navigate personal challenges before they affect workplace performance. With mental health awareness at an all-time high, an EAP signals that your organization genuinely cares about the wellbeing of its people beyond the nine-to-five.
Flexible Spending Account (FSA)
A Flexible Spending Account allows employees to set aside pre-tax dollars for qualified medical, dental, and vision expenses not covered by insurance. Dependent care FSAs cover eligible childcare costs. FSAs reduce employees’ taxable income while helping them budget for predictable out-of-pocket expenses. Employers also save on payroll taxes for every dollar contributed, making FSAs a mutual benefit.
Group Accident Insurance
Group accident insurance pays a cash benefit directly to employees who suffer a covered accidental injury, regardless of other coverage in place. Benefits are paid for events like fractures, dislocations, emergency room visits, and follow-up care. It fills the gap between what major medical pays and what employees owe out of pocket, reducing financial stress during an already difficult time.
Group Hospital Insurance
Group hospital insurance, sometimes called hospital indemnity insurance, pays a fixed cash benefit for covered hospital admissions, stays, and procedures. The benefit is paid directly to the employee and can be used for any purpose, including deductibles, copays, transportation, or lost wages. Hospital insurance is especially valuable for employees enrolled in high-deductible health plans who face significant out-of-pocket exposure for inpatient care.
Group Telemedicine
Group telemedicine benefits give employees on-demand access to licensed physicians, mental health providers, and specialists via phone or video. Virtual care reduces unnecessary emergency room visits, minimizes time away from work for routine appointments, and improves access to care for employees in rural areas or with demanding schedules. Telemedicine has become one of the most popular and most utilized benefits in modern employee packages.
Health Reimbursement Arrangement (HRA)
A Health Reimbursement Arrangement is an employer-funded account that reimburses employees for qualified medical expenses and individual health insurance premiums. Unlike HSAs, HRAs are funded entirely by the employer and never by the employee. HRAs give employers flexibility in how they structure health benefits, and they can be tailored to complement a group health plan or serve as a standalone health benefit for businesses that do not offer traditional group coverage.
Human Resources Support
Many employee benefits programs include access to HR support resources including compliance guidance, benefits administration tools, and employee communications materials. Navigating benefits enrollment, ACA compliance, COBRA administration, and plan documentation can be complex. HR support services help employers manage their benefits program efficiently, reducing administrative burden and ensuring employees understand and use the benefits available to them.
Wellness Benefit Plans
Workplace wellness programs incentivize healthy behaviors through gym reimbursements, fitness challenges, smoking cessation programs, nutrition counseling, and preventive health screenings. Healthier employees take fewer sick days, file fewer claims, and are more productive. Wellness benefit plans also send a clear signal about your organization’s culture, making them a meaningful recruiting and retention tool for health-conscious employees.
Benefits are your most powerful retention tool
In today’s competitive labor market, compensation alone is no longer enough to attract and keep great employees. A well-structured benefits program communicates that your organization values the whole person, not just their output.
The right benefits package reduces turnover, decreases absenteeism, improves employee morale, and helps your business compete against larger organizations for the same talent. It also protects your employees from financial hardship during the moments that matter most, which builds the kind of loyalty that compensation alone cannot buy.
We work with businesses of all sizes to design benefits programs that are strategic, affordable, and genuinely impactful for your team.
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Real stories from,
M&C clients
Hear from the people choosing Marquis and Coughlan Insurance to protect their business & lifestyle.
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Mary Beth Dicken ★★★★★ a month ago
Great group of people to work with. They lead with compassion, provide trusted guidance, and put their customers first. -
Jamie Pelletier ★★★★☆ 6 months ago
Have had this family owned and run insurance agent since I was 16 and freshly licensed. I miss their Dad he used to make me hanging plants but the guys running the show now are good too. -
Jessica Chretien ★★★★★ a year ago
Definitely got a customer for life with me!!! quote went from $335.00/ Month for 12 months, with full coverage, I walked through the doors and my new quote with same full coverage is now $87.17 per month for 12 months! He took his time, … More and went out of his way to help get me a better quote. I thought he was joking at first! I was shocked when he said $87.17 per month!!! Everyone in my Family, even friends have gone here my whole life! I encourage everyone to give them a try! Super helpful, didn't rush me, also, I didnt have to go to the dmv! 11/10 for sure!!! I wouldn't recommend ANYONE else! I will be recommending more friends -
joannladiva1794 ★★★★★ a year ago
Have my insurance for more than 15 years with them. Very professional, responsable and professional. Always trying to help the customer to get the best price! The can also help you to register your car if you don’t want to spent time in … More the RMV. They offer bilingual Services too. I always recommend people to them. -
Zak V. ★★★★★ a year ago
Good people over there! Mike was awesome -
Alex Ames ★★★★★ 2 years ago
11/10. Gained a customer for life! Saved me over 50% of what I was paying! Would recommend anyone to give Mike a call and let his work speak for itself! -
JAY PROCTOR42 ★★★★★ 2 years ago
Best place ever. Super nice guys, been there for 23 years. Super helpful. I will be there the rest of my life. -
William Gonzalez ★★★★★ 3 years ago
I own a transportation company. I was searching around for the most affordable commercial insurance. I went to five different insurance companies but went I went Marquis & Coughlan Mike was able to find me half off the rates the other … More … More

Ready to build a benefits
program your team will value?
Whether you are starting from scratch or looking to enhance what you already offer, Marquis and Coughlan Insurance Agency is here to help you build a benefits program that works for your business and your people.
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