HomeBusiness insurance
Companies and small businesses
Insurance for your business.
Taking care of your team is the best way to keep good people, and protecting your partners and assets is what keeps the business standing when something goes wrong. I'll tailor the coverage to your company, whether you have 4 employees or 400.
- Group health from 4 employees
- Key person and buy-sell coverage
- Fleets, commercial property and surety bonds
- I handle enrollments, terminations and claims
People
For your team and your partners.
Group health
If your company has 4 or more employees, you can already offer them group health insurance.
- One of the largest provider networks in Panama
- Low copays for office visits and labs
- Emergency care after an accident
- Maternity and dependents
- Group rates, lower than individual plans
Key person
When a partner, top executive or star salesperson is suddenly gone, the business can't stop.
- A death or disability benefit paid to the company
- Time and money to replace them
- Collateral for the company's bank loans
Buy-sell coverage
If a partner dies, who keeps their share? Life insurance funding a buy-sell agreement provides the money to buy it from their estate without draining the company.
- Business continuity
- Peace of mind for the partners' families
- A succession planning tool
Property and contracts
Auto, home, premises and bonds.
For individuals and businesses. I'll quote them in the same conversation, so you have everything with one advisor.
Auto and fleets
Comprehensive or third-party liability coverage for your car or your company's fleet.
- Compulsory third-party liability
- Total and partial theft
- Roadside assistance
- Special terms for fleets
Homeowners and commercial property
Your house, your condo or your business premises, protected against the most common perils.
- Fire, lightning and explosion
- Theft and vandalism
- Water damage and natural perils
- Liability and loss of rents
Surety bonds
The guarantee required to sign contracts and bid on public and private tenders.
- Bid bonds
- Performance bonds
- Payment and advance payment bonds
FAQ
What businesses ask.
How many employees do I need for group health insurance?
You can get a group health quote from 4 employees. With more lives, the premium per person usually goes down.
Does the company have to pay for all of it?
Not necessarily. Some companies pay 100%, others share the premium with employees, and others cover the employee and let them add dependents at their own cost. We design it around your budget.
What happens when someone joins or leaves?
You let me know and I handle enrollments and terminations with the carrier. You don't have to fill out any forms.
What is key person insurance?
It's life and disability insurance the company owns on someone the business depends on. If that person dies or becomes disabled, the company is the beneficiary and receives the money to keep operating, pay debts or recruit a replacement.
Let's talk
Tell me what you need. I'll get back to you today.
No endless forms. Send me a message, we talk for fifteen minutes, and I'll tell you what your options are and what they cost.