Best Health Insurance For Small Businesses
At Harris Insurance, we specialize in helping small businesses protect what matters most: their people. Since the 1970s, we’ve provided transparent, client-focused insurance services tailored to the unique needs of growing companies. With values grounded in professionalism, integrity, and reliable support, we deliver smart solutions and personal guidance to help your business thrive.
Comprehensive Small Business Insurance Plans
At Harris Insurance, we offer a full range of small business insurance plans to address the diverse needs of your company. From essential health benefits to broader commercial protections, our solutions help safeguard your people, property, and operations.
General Liability Insurance
Protects your business from third-party claims of bodily injury, property damage, and personal injury. Essential for day-to-day operations and client interactions.
Commercial Property Insurance
Covers your physical assets—buildings, equipment, inventory—against losses from fire, theft, vandalism, and natural disasters.
Workers’ Compensation Insurance
Provides medical benefits and wage replacement to employees injured on the job, while protecting your business from related legal liabilities.
Professional Liability Insurance (Errors & Omissions)
Covers legal costs if your business is sued for negligence, mistakes, or failure to deliver promised services.
Business Owners Policy (BOP)
A bundled package that combines general liability and property insurance at a cost-effective rate—ideal for small to midsize businesses.
Commercial Auto Insurance
Protects vehicles owned or used by your business, including coverage for collisions, liability, and uninsured motorists.
Cyber Liability Insurance
Safeguards your business against data breaches, cyberattacks, and other digital threats with coverage for recovery and legal expenses.
Health Insurance for Employees
Offers a range of group health plans to support employee well-being and meet ACA compliance requirements.
Employment Practices Liability Insurance (EPLI)
Protects your business with small business health insurance from claims related to wrongful termination, harassment, discrimination, and other HR-related issues.
Business Interruption Insurance
Provides income replacement and covers ongoing expenses if your operations are halted due to a covered disaster or emergency.
Commercial Umbrella Insurance
Extends your existing liability coverage limits to protect against large, unexpected claims that could exceed standard policy limits.
Serving All Types of Small Businesses and Sectors
Healthcare Practices
We provide tailored medical insurance and liability coverage for private clinics, dental offices, therapy centers, and other healthcare providers. Our plans are designed to meet the strict regulatory and malpractice requirements unique to the medical industry, ensuring both your staff and patients are protected.
Tech Startups
From app developers to AI firms, we understand the fast-moving nature of the tech world. Our small business insurance plans help safeguard intellectual property, cover cyber risks, and support employee health benefits—so your team can innovate with confidence while we handle the risk.
Construction & Trade Businesses
Builders, electricians, plumbers, and contractors rely on our specialized policies for workers’ compensation, equipment coverage, and job site liability. We help ensure compliance and safety while minimizing financial exposure on every project.
Retail & E-commerce
Whether you sell in-store or online, we offer coverage for inventory, cyber threats, customer claims, and shipping-related losses. Our small group health insurance plans are designed to adapt to the evolving retail landscape—keeping your business secure from warehouse to checkout.
What to Expect with Harris Insurance
We understand that dealing with insurance claims can be stressful — that’s why we’ve made our process simple and client-friendly. Our small business health insurance providers deliver full support from claim initiation to resolution.
1
Easy Online Claim Submission: Our streamlined digital platform lets you file a claim quickly and easily—anytime, anywhere. Just a few clicks and your claim is in progress.
2
Prompt Response from Claim Specialists: Once your claim is submitted, our dedicated team springs into action. You’ll receive a timely response from a real person who’s ready to help.
3
Expert Guidance on Documentation: We walk you through the entire documentation process to ensure nothing is missed. From forms to supporting evidence, we’re here to make it clear and simple.
4
Regular Updates and Follow-Ups: Stay informed every step of the way. We provide proactive updates and check-ins so you’re never left wondering about the status of your claim.
5
Fast, Fair Resolution and Settlement: We work diligently to resolve your claim as efficiently as possible—delivering fair outcomes and timely settlements, so you can get back to business with peace of mind.
Why Small Businesses Need Health Insurance
Providing the best health insurance for small businesses isn’t just a legal requirement in some cases — it’s a smart strategy for attracting and retaining talent, enhancing productivity, and protecting your financial future.
Attract Top Talent
Offering quality small company health insurance makes your business more competitive in the job market, helping you attract skilled professionals who value strong benefits.
Boost Employee Retention
Employees are more likely to stay with a company that supports their health and well-being, reducing costly turnover and improving team stability.
Enhance Workplace Productivity
Healthier employees mean fewer sick days, higher energy levels, and greater focus—leading to improved overall productivity and performance.
Improve Employee Morale
Knowing they’re protected fosters a sense of security and loyalty among employees, contributing to a more positive and motivated workplace culture.
Reduce Financial Risk for Employees
By helping cover medical expenses, your plan shields employees from unexpected healthcare costs, allowing them to focus on work instead of worrying about bills.
Tax Advantages for Employers
Small businesses may qualify for tax deductions or credits when offering group health insurance, making it a financially savvy decision.
Legal Compliance
For businesses with 50+ full-time employees, offering health insurance may be a legal requirement under the Affordable Care Act, helping you avoid penalties.
Competitive Advantage
A strong benefits package sets your business apart from others in your industry, making you a more attractive option for top candidates and clients alike.
Support for Business Growth
Health benefits lay the groundwork for scaling your team and operations, allowing you to grow with a healthy, reliable workforce.
Group Rates Mean Lower Costs
Group plans often offer lower premiums compared to individual coverage, making small business medical insurance more affordable for both employers and employees.
Covers Preventive Care
Preventive services—like screenings, vaccines, and wellness visits—help catch issues early and reduce long-term healthcare costs for everyone.
Build a Caring Company Culture
Offering health coverage signals that your business values people over profit, strengthening your brand and employee relationships.
How to Choose the Right Coverage for Your Small Business
Finding the right small group health insurance doesn’t have to be overwhelming. We simplify the process and walk you through each step to ensure your coverage is tailored to your goals and budget.
1
Initial Consultation & Risk Assessment
We start with a personalized consultation to understand your business structure, number of employees, budget, and growth plans. This helps us identify potential risks and opportunities so we can recommend the most suitable coverage from the outset.
2
Review of Industry Needs & Compliance
Certain industries—like healthcare, construction, or food service—have unique insurance requirements or regulations. Our team evaluates any industry-specific risks and ensures your plan aligns with both federal and state compliance standards, including ACA mandates.
3
Customized Plan Design
Using the insights from our initial assessment, we design a range of plan options that meet your team’s healthcare needs while respecting your budget. From high-deductible health plans to PPOs or HSAs, we tailor the benefits to your business priorities.
4
Plan Selection & Enrollment
We simplify the decision-making process by presenting you with a curated list of the best small business health insurance quotes. Once you select the right plan, we manage the enrollment process for you and your employees to ensure a seamless experience.
5
Ongoing Support & Policy Management
Your needs don’t stop after enrollment—and neither does our support. We assist with policy renewals, compliance updates, employee changes, and claims support. As your business evolves, we help adjust your coverage accordingly.
6
Employee Education & Communication
We believe informed employees are empowered employees. That’s why we offer onboarding assistance, benefit explanations, and open enrollment support—helping your team understand and fully use their healthcare benefits.
The Risks of Not Having Adequate Insurance
Lacking proper small business medical insurance exposes your company to significant risks — financial, legal, and reputational. Don’t leave your business vulnerable — invest in proper small business insurance health coverage to secure your future.
High Medical Costs
Without proper coverage, employees may face significant medical bills that they cannot afford, leading to financial stress and decreased morale.
Legal Penalties
Failing to comply with health insurance mandates can result in costly legal actions, fines, and penalties that threaten your business’s financial stability.
Low Retention
Employees are less likely to stay with a company that doesn’t provide health benefits, increasing turnover rates and recruitment costs.
Reputation Damage
A business that neglects employee welfare risks losing trust with clients, partners, and the community, which can impact growth and profitability.
Lost Tax Benefits
Many governments offer tax credits and deductions for small businesses that provide health insurance—without coverage, you forfeit these financial benefits.
Increased Absenteeism
Uninsured employees are more likely to delay medical care, leading to prolonged illnesses and increased absenteeism that hurt your operations.
Talent Attraction Challenges
Competitive benefits packages are a key factor for job seekers; lacking small business medical insurance coverage makes it harder to recruit skilled workers.
Financial Risk
Unexpected health crises can strain both employees and employers financially if there’s no insurance safety net in place, risking business continuity.
At Harris Insurance, we are dedicated to providing personalized service to help you secure the right coverage. Your business’s security is our priority, and we are here to ensure that you are protected against the unexpected, every step of the way.
FAQ
How to get health insurance if you own a small business?
You can obtain small business health insurance by working with a licensed broker like Harris Insurance. We help you compare small business health insurance quotes, understand ACA compliance, and enroll your team in a suitable plan. You may also qualify for tax credits if you have fewer than 25 employees.
How much does medical insurance cost a small business?
The cost varies based on factors such as location, number of employees, and coverage type. On average, small businesses can expect to pay between $400–$800 per employee per month for small business medical insurance. Our team helps you find plans that align with your budget.
What type of insurance is needed for a small business?
In addition to small company health insurance, small businesses should consider general liability, property, workers’ comp, and cyber insurance depending on their industry. We help you bundle the right coverage for full protection.
What is the average price for small business insurance?
While small business insurance plans vary, the average comprehensive insurance package (health + liability + property) ranges from $1,000 to $3,000 annually per employee. Health insurance is typically the largest component.
Get in Touch
For more insurance information, please contact us here. We will get back to you shortly.
6445 W. Sunset Rd., Ste. 156 Las Vegas, NV 89118 (Located In Sunset Business Center)
Monday to Friday 7:30 to 4:30 PM Saturday and Sunday CLOSED
702.202.6611