In Delaware, group health insurance is available for any size group, even a self-employed business owner without full-time employees. There is no advantage to purchasing benefits directly from providers. In fact, the rates are the same. But with HIG, we assist you in selecting the best carrier for your business needs.

Group dental insurance is typically available for companies of two or more employees, although individual products are available. For employers with over ten employees, a more customized plan design may be offered. No two dental plans offer the same benefits. HIG can help you sort through the many plans and options. HIG also offers an exclusive group dental plan for Non-Profit Organizations.

Most insurance carriers are looking for at least ten employees in order to offer this coverage. In most cases, coverage is guaranteed and no medical underwriting is required.

Smaller employers are also eligible for group coverage, although some underwriting may be required and coverage may not be guaranteed. Most benefits can be offered on a voluntary basis as well.

Long Term Care and Long Term Disability are also offered at HIG. Discounts may be provided with an employer sponsorship.

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