Make sure your employees are taken care of.

There is nothing more important than protecting the ones you love. Employee benefits can include health insurance, life insurance, and disability; these policies protect your financial assets and the assets of your loved ones.

At Cartier, we strive to offer the best employee benefits possible, from individual and group plans to specialized packages that may include dental and vision coverage.

Keys to insuring your interests


  • Fully insured experience reports
  • Large group plan utilization and claim reporting
  • Side-by-side plan comparison analysis
  • Side-by-side premium analysis
  • Network disruption reporting

Agency services

  • Dedicated customer service representatives
  • Employee education, training, and enrollment
  • Online enrollment and benefits management
  • Plan implementation and ongoing benefits management support
  • Annual plan analysis and industry comparisons
  • A team dedicated to staying on top of insurance industry trends, laws, regulations, and technologies

Carrier and situation analysis

  • Listen to your company's situation, challenges, and needs
  • Provide recommendations for programs and insurers based on your situation
  • Employ rigorous selection criteria and performance objectives before recommending insurance providers for your benefits program

Benefit variety and accessibility

  • Fully insured medical, dental, life, and disability
  • Self-funded medical and dental
  • Insurance programs focused regionally
  • Insurance programs national in scope
  • HSA and HRA
  • COBRA and state continuation administrative services
Cartier Insurance

Set your employees up for success.

Download our guide to effective employee onboarding and ensure your next hire starts off with a positive experience, setting the tone for a promising future in your company.


Our employee benefits options include:

This is a sample of our coverage options. Contact us to learn about our comprehensive services.

Request a quote
Health insurance provides financial protection to cover the rapidly increasing cost of medical services and prescription drugs. Designing a health plan can be complicated. Decisions that affect a health plan include deductibles, premiums, networks, out-of-pocket expenses, copays, coinsurance, eligibility, FTEs, ACAs, and HSAs. In addition to plan design choices, many regulations impact employers who decide to offer health insurance. This is why it is important to work with a knowledgeable representative.
Dental insurance encourages people to maintain good oral health by covering two routine annual oral exams. Dental insurance can protect you against major dental expenses like crowns, root canals, or major gum surgery. Many plans have been designed with an annual maximum of $1,000. However, there are plans in the market that offer a wider variety of yearly maximums, deductibles, coinsurance, and networks. Determining your employee's dental needs helps us design a plan best suited for your company.
One way to improve your employee benefits package and minimize your costs as an employer is to provide employees the opportunity to purchase voluntary benefits. Voluntary benefits allow your employees to customize their benefits package with a knowledgeable representative's help. The employees pay 100% of the premium, which can be payroll deducted from their paychecks. The most common products offered are life insurance, accident insurance, critical illness, and disability insurance.
Life insurance protects family members who lose a loved one due to an untimely death. A good life insurance plan helps surviving family members pay ongoing living expenses and outstanding debt, continue a family business, finance future needs like your children's education and protect a spouse's retirement plans. Life insurance plans can be designed using Permanent life insurance like universal and whole life, or a more cost-effective strategy with term life.
We buy insurance on our houses, our cars, our recreational vehicles, and even on our pets. But rarely do we think about insuring our most valuable asset, our paychecks. Disability insurance is insurance on your paycheck. Disability insurance provides peace of mind if you are hurt or sick and unable to work. Your family will continue to receive money to help cover ongoing bills like your mortgage, grocery bills, utilities, and other ongoing expenses.
Vision insurance provides coverage when you require services from an eye care professional. Most vision insurance plans will provide coverage for eye examinations, frames, lenses, prescription sunglasses, and contact lenses. Affordable plans can be customized to cover a variety of vision-related services.