Insurance

From Navigating the Mass Health Connector to Finding the Best Benefits — Brabo Has an Insurance Solution for You

Why do we work? Most of us work to be able to provide and protect ourselves and our families.

As a small business owner, it’s more than that. Not only are you working for yourself and your family, but you’re also working to provide & protect your business, your employees, and their families as well.

That’s a lot of responsibility and trust on your shoulders… along with everything else that comes along with running a small business.

You can trust us to take on the important responsibility of organizing & managing your insurance needs. Brabo’s insurance experts are ready to take some of that weight off of your shoulders, freeing you up to really focus on running the business. 

We can help you with:

Brabo’s team of insurance experts will help you evaluate the best insurance program for your unique needs. We work with over 50 different companies and with the Mass Health Connector to find the best rates ensuring you, your team, and your business are all fully protected and provided for.

Brabo can help you put together the perfect solution for all your insurance needs. Contact ustoday for a free consultation with one of our insurance experts.

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Benefits

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Worker's Comp Insurances

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Property Casualty

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FAQs

In most cases, you do not need to offer health insurance until you have 50 or more full-time equivalents
Plan pricing is different for every group and there are many options for how you can structure the employee and employer contributions. Quoting health plans with Brabo can be quick and painless.
Absolutely, if you are taking employee contributions on a pre tax basis you must have a section 125 plan in place. You must also send employees annual notices and initiate COBRA when an employee leaves your company.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102% of the cost to the plan. COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end. In Massachusetts, all employers offering plans must follow mini COBRA COBRA outlines how employees and family members may elect continuation coverage. It also requires employers and plans to provide notice.
You can lower employee and employer tax payments by allocating wages to benefit plans.

Why Choose Brabo Payroll as your Workers Comp Insurance Company?

If you’ve been struggling with your workers compensation or feel you’re paying too much every year, pay as you go workers comp might be the right choice for you. By integrating your workers’ compensation premium payments directly into your payroll, your workers’ comp premiums are calculating using your actual payroll data and carrier rates to calculate your premiums— improving accuracy and minimizing the chance of an audit. 


Also, spreading out your payments and forwarding to your workers’ comp insurance carrier directly may improve your cash flow and save time. Unlike other companies, we offer transparent pricing for all of our clients so you know you are getting a fair deal the first time around. 

  • Our Client Experience Managers will review your Workers Comp SPECIFIC NEEDS
  • Free up Cash: No upfront premium deposit is required which frees up funds that you can invest in your business.
  • Premium payments are based on actual, not estimated, payroll data and carrier rates. This will minimize overpaying or underpaying at your year end audit.
  • No Surprises: Payments are spread over your company’s payroll cycle so you know what payments to expect and when.

Testimonials