In addition to the suite of business operation coverage, InQlusiv helps SMEs attract and retain employees by offering The Health Benefit Alliance™ product - a no-deductible, ERISA/ACA compliant group health benefit plan, tailored to small business needs.  InQlusiv’s product gives SMEs a competitive edge over other employers in a tight labor market by providing a health plan that both fits employees’ personal budgets and addresses their medical needs. 

“We are committed to giving typically over-looked and underserved community businesses cost-effective insurance coverage that both fully protects their employees and operations while saving them time, money, and reducing staff turnover,” said Andrew Terrell, co-founder and managing partner of InQlusiv. “Everyone deserves affordable, quality healthcare, which is why we give small business owners access to a variety of healthcare plans designed to fit a broad range of needs and budgets. Small business owners can protect their livelihood while offering their employees health insurance that lets them get the care they need, when and where they need it.” 

InQlusiv’s business insurance suite includes general liability, business owner’s policy (BOP), workers’ compensation, Amazon liability, cyber, and commercial auto. The Health Benefit Alliance™ product benefits include: 

• Access to any doctor  
• No hospital network restrictions 
• Compliance with both Affordable Care Act Part A and B penalties, offering all copays and no deductibles 
• The only MEC plan design that provides up to three days of hospitalization benefits in addition to office visits and Rx coverage.