Insurance Solutions To Keep Your Business and Employees Protected
With Rates That Won't Sacrifice Coverage

Small Business Commercial Insurance


Insurance is a tricky field for many businesses because there are so many providers, plans and premiums involved. The wrong insurance choice can be disastrous, and there’s great pressure on owners to handle this responsibility correctly. So, where do you begin?

Benetrends Financial’s has partnered with Gallagher Insurance, a leading insurance broker and consulting group that provides employee benefits, property and casualty - and more. With Gallagher, Benetrends clients have access to business insurance solutions designed specifically for small business owners, helping you prepare for the expected (and unexpected) so you can rest easier.
Commercial insurance needs often include:
• Business Owners Policy (BOP)
• Healthcare Insurance
• Workers’ Compensation
• Property And Liability Coverage

Insurance Policies Customized to Fit Your Specific Needs

As a business owner, it is crucial to protect the physical assets of your business and your employees, and to safeguard against negligence or wrongdoing. Our partnership with Gallagher Insurance means you have access to resources that best meet your specific needs.

Their experienced advisors help you every step of the way to find a policy that perfectly suits your small business, at a competitive price.

Small Business Insurance Solutions Designed for Your Budget

We recognize that every business is unique and pride ourselves on taking a personal approach to your commercial insurance solutions. From sensible health insurance options to general liability and workers’ compensation, 

As a Benetrends client, you will receive best-in-class service at the lowest price available. With the employment of risk management strategies to keep you abreast of changes in your industry, you'll be able to keep your premiums down and increase your bottom line.

Protect Your Business With High-Value, Cost-Effective Commercial Insurance Solutions


A one-size-fits-all approach to risk management can leave you vulnerable; that won’t happen when you’re part of the Benetrends family. Our provider specializes in small business insurance solutions that prevent entrepreneurs from being over- or under-insured. With insurance advisors who go to work on a complete diagnostic analysis, identifying your company’s exposures, you are ensured to be prepared for both the expected and unexpected – with a monthly premium you can afford.


As a business owner, it is crucial to protect the physical assets of your business – and the name brand – from negligence or wrongdoing. A business owner's policy, or BOP, provides both convenience and value by combining property insurance and commercial general liability insurance into one policy. Typical BOP policies may provide coverage for damage caused by fires, theft and vandalism – while protecting the business from claims involving both property damage and bodily injury. 


Property damage liability coverage pays in the event that your business causes an accident. As part of your liability insurance, property damage coverage also pays for your legal defense costs if you are sued as a result of damages. Many states require you to purchase at least a minimal amount of property damage liability coverage – in some cases, as low as $5,000 (but it is recommended to cover more).


Accidents happen. When something goes wrong, make sure you have an advocate in your corner who's proactively monitoring claims to mitigate costs, care for your employees and help get them back to work safely. Workers' compensation insurance is required in every state if you have employees. This insurance provides income benefits to employees as they go through recovery, and may also protect employers from legal liability in most injury lawsuits.


You and your employees want and need health insurance, but it seems the better the benefits, the more expensive the premiums.  Our insurance provider will help you determine the plan that best lines up with the needs of you and your employees - without breaking the bank.

Benetrends clients who qualify can take advantage of a medical reimbursement program that enables qualified small business owners to deduct 100% (of federal, state and self-employment taxes) for family medical expenses.  Learn More

Most Plans Include

  • Preventive care, including women's wellness, children's immunizations and annual exams
  • Diagnostic visits for blood tests, lab work, x-rays, etc.
  • Accidents and emergency coverage
  • Hospital and surgical coverage
  • Prescriptions, including 90-day supplies and mail order
  • Dental and vision coverage
  • Emergency room and ambulance coverage

Apricot Lane Boutiques Franchisee

“We extensively researched the market for companies like Benetrends. None of the others come close in terms of value and customer satisfaction. Internet ratings are stellar, especially regarding on-going service after initial funding.”

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    Pennsylvania 19446

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Our Pledge to You

Our mission is to make every Benetrends client our champion. For over 35 years, our Rainmaker Plan® has been tested and proven to work, providing a means for more than 17,000 entrepreneurs to achieve their dreams of business ownership, creating both jobs and prosperity. We are so confident in the Rainmaker Plan design that we stand fully behind our work, backing every client with our Rainmaker Guarantee.

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Information provided by Benetrends Inc. is not intended to be used as legal or accounting advice, or as the sole basis for investment decisions, nor should it be construed as advice designed to meet the particular needs of an individual investor. Please seek the advice of legal or tax professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.
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