ATTENTION: Business Owners

Insurance for Business Owners

Whether you run a business, work for yourself or just want better protection for you family, IPFG helps you get the right insurance - without overpaying or getting stuck in cookie-cutter plans. From business coverage to ACA plans to health-cost-sharing, we've got you covered.

Business Insurance for Small Business Owners (5-49 EE's)

Does this sound familiar?

You're doing everything you can to take care of you employees -- but every year your costs go up. Between Workers workers' comp, general liability and health benefits, it feel like you're paying more and getting less.

💼Example:

You have 12 employees. Your payroll taxes and workers compensation premiums ar rising, but margins are thin. You want to offer health benefits, but traditional group plans are expensive. You've heard about ICHRAs and Section 125 plans, but nobody explains how they work or how to set them up properly.

✅ That's where we come in. We help you structure your benefits and payroll strategy so you can save 25 -40% in taxes while offering better coverage to your team.

🧩Solutions We Offer:

📉CHAMP Plan (Section 125 Payroll Strategy)

A tax-advantaged benefit plan that allows you to reduce FICA and workers' compensation costs - by lowering taxable wages without reducing take-home pay.

Benefits:

  • Reduce employer payroll tax burden (FICA, FUTA, SUTA)

  • Lower Workers' Comp premiums (since they're tied to payroll)

  • Employees get a pay raise!!

  • 100% IRS-compliant and audit-backed

General Liability Insurance

Protection for your business against accidents, property damage, or lawsuits - tailored to your industry and team size.

Bonus: When bundled with the CHAMP plan, savings are maximized because GL premiums are often linked to payroll.

📜Let your employees choose their own health plans on the open market while you control the budget.

Why it's Better:

  • Set your own contribution amount

  • Employees pick plans that work for them

  • NO participation minimums or group plan hassles

  • Integrates smoothly with Section 125 CHAMP Plan

✔️✔️Bottom Line Benefits for You:

*️⃣ 25-40% payroll tax savings

*️⃣ Lower Workers' comp premiums

*️⃣ Simplified and flexible health benefits

*️⃣ Stronger employee retention and satisfaction

Self-Employed and High-Income Earning Contractors

Does this sound familiar?

You make too much to qualify for subsidies, but traditional health insurance premiums are ridiculous. You want quality coverage - without draining your wallet every month.

💡You're a consultant making $150k per year. A standard ACA (Obamacare) plan costs $900 per month with a $7,000 deductible. You're healthy, barely use your insurance, and feel like you're throwing money away.

✅ We specialize in smarter alternatives like cost-sharing plans with 1st Dollar Coverage (NO DEDUCTIBLES and NO COPAYS!!)

Options include:

  • Health Cost Sharing Plans (Non-ACA)

  • High Deductible Health Plans (with Gap coverage) to cover the deductibles

  • Critical Illness and Disability Plans

  • HSA-Compatible Plans

Let's Make Your Business Leaner and Smarter

Stop overpaying for insurance and payroll taxes. Let's build a custom strategy that protects your people -- and your bottom line.

📞 Schedule a FREE Employer Savings Strategy Session