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38 Austin Street, Worcester, MA 01609

TEL. 800-548-6900

SBIA Product Portfolio:

Employee Benefit Plans

Group Rates on Health, Life, Dental, and Other Insurance

Health • Dental • Retirement Plans • Section 125 Plans 
Disability Income Protection • Term Life

Obtaining affordable benefits is vitally important for small business owners and their families. SBIA has decades of experience in successfully partnering with thousands of small business owners, guiding them through the ever-changing and complex purchase of group insurance benefits. SBIA professionals understand the unique needs of small business owners, self-employed and home-based entrepreneurs. We represent highly reputable insurance 
carriers — names you know and trust. See our areas of expertise on the left menu.


Retirement Plans

Whether you already have a pension, profit sharing or 401(k) plan for your small business or are thinking about starting one, we can help, and probably save you money at the same time. Our professionals will look at your current situation and make recommendations. If you have no pension plan, our professionals can help you design one.


Cafeteria Plans

Reduce your taxable income and potentially save money for your business by establishing a Cafeteria plan for you and your employees. Depending upon your specific situation, these plans, which are also called Section 125 plans, can lower your cost for certain benefits by using pre-tax dollars, giving your company and your employees certain tax breaks.


Disability Income Protection

Should you or an employee become injured, sick, or disabled, is there a plan in place to provide for family members and loved ones? Short- and long-term disability protection can provide income in the event the unforeseen occurs, providing some financial security and peace of mind when you need it most.


Term Life Insurance Programs

Low cost coverage from distinguished national carriers with no medical underwriting gives you and your family added protection. Quotes are from multiple A-rated carriers with a choice of coverage amounts and duration.

Additional Business Services

Human Resource Services

Provides small to medium sized companies with highly competent, cost effective HR solutions across a broad range of disciplines including Government Regulations/Compliance, Employee Relations, Workforce Planning, Talent Recruitment, and Employee Retention.

Payroll Services

Provides competitively priced Payroll Services with speed, accuracy, and efficiency backed by exceptional, local Customer Service support.

C.O.B.R.A. Administration

Provides full-service administration by assisting employers in keeping compliant with complex and changing regulatory requirements while executing the myriad of day-to-day administrative policies and procedures.

Personal Insurance Needs

Auto • Home • Life • Long Term Care

In addition to advising business owners, SBIA assists individuals with their personal insurance. Our professionals work with the individuals to understand their unique needs and assist them in finding the most appropriate and competitively priced products.

When analyzing personal insurance needs, one size does not fit all. Situations change over time. Solutions must be an appropriate fit for each individual circumstance. Our professionals understand this and work with a portfolio of top rated companies with products tailored to the needs of individuals


Long-term Care Protection

Most people work hard to build wealth and save for retirement. However, without proper protection, you run the risk of losing everything and becoming a burden on your family should you or a loved one ever be unable to live independently and need long-term care, such as in a nursing home. That’s because Medicaid will cover this care only after you’ve spent down your assets to the poverty level.

Property & Casualty Insurance

Protecting your business and everything you’ve worked so hard for should be a top priority when evaluating your insurance needs. Our team of licensed insurance professionals average 15 years of experience helping clients find just the right insurance products to fit their risk management needs.

We represent some of the premier insurance companies in the country – A-rated carriers – to provide coverage that includes property, liability, worker’s compensation, auto, directors and officers, and bonds. We also offer personal insurance from homeowners to boat and recreational vehicle coverage.

This valuable protection for you, your family and your employees is too important to ignore, particularly since the need for long-term care can arise suddenly and without warning.