Personal And Business Coverage Available Nighthawk Insurance Services offer Individual and Business coverage with service and smiles. We look forward to meeting you and working together for the best quote available for all your insurance needs.
Can We Help?
Increase recruiting and retention power of quality employees in today’s workforce?
Provide benefit options and to make you company more competitive?
Your employees better understand and appreciate their benefits?
Meet your employees benefits needs and manage costs at the same time?
In filling gaps of coverage that valuable employees may need or want?
Yes We Can!
We know insurance companies and coverage’s can be puzzling. In 1998, we started with voluntary benefits and section 125 plans (cafeteria plans). Those benefit plans would fill the gaps that your basic group health plan did not cover. We started to search for other gaps and wanted to know where and how they can be filled. Currently, we work with a variety of brokers, agents, and insurance companies to find and fill those gaps. We enjoy assisting our clients in all aspects of their coverage’s and through education and communication, we strive to keep compliant with the many rules and regulations that are put in force today.
A few moments of your time discussing you, your company and its needs could turn out to be a sound investment in your future.
Together, we can help solve one of your biggest challenges facing your business today. With a customized plan enhancing your existing benefits, ongoing personal service with a variety of administrative options, and services from proven leaders in the industry, we can develop a clear path through your employee benefits maze.
Some Services We Offer:
Educate employees so they better understand the benefits provided.
Communicate your current plans so employees appreciate the benefits provided.
Streamline enrollment of employees in your current and new benefit plan(s) to relieve Human resources of exhaustive paper files.
Filling gaps of coverage your valuable employees may need or want.
Work to get the best plans available for you and your employees.
Some Plans We Offer:
Choice of more doctors and hospitals than any other single plan in California;
Allow employees to choose their own benefit level and company that best fits their needs;
Included dental and vision at no additional cost; and
Allow all employees to change plans every year so I don't have to re-shop the entire group's coverage.
Everyday, we’re helping more businesses, organizations and associations implement simple, yet effective solutions to help them more effectively manage their employee benefits programs. Our benefits solutions package helps meet employers’ needs, as well as the individual and varied needs of their employees.
Individual Coverage
Disability –
Long and Short-Term plans provide income replacement to help make ends meet if you become disabled from a covered accident or illness.
Life –
Term, Universal and Whole Life available to enable you to tailor coverage for your individual needs and provide financial security for your family members.
Long-Term Care –
Provides assistance for those unable to function independently at home or in a facility.
Medical –
Major Medical, Major Risk Medical Insurance Plan (MRMIP), Health Insurance Portability and Accountability Act of 1996 (HIPAA), Medical Savings Accounts (MSA), Healthy Families Certified Application Assistant, Dental, Vision, Cancer, International Travel, Student Plans, and Short-Term (Temporary) coverage available.
Property –
Homeowners, Dwelling, Condo, Renters, Auto, Boat, Motorcycle and Umbrella available.
Retirement –
Traditional, Simple and Roth Annuity plans are available to help you plan for your future.
Business Coverage
Business Owners Policy (BOP) –
Normally, the first step for a small business. A BOP policy has basic General Liability and Property coverage.
Commercial Package Policy (CPP) –
Helps protect your business against specific human mistakes. A CPP consists of two or more main coverage forms. This coverage may include: General Liability, Crime, Auto, Farm, Boiler and Machinery, Garage, Inland Marine and Property. Additional coverage can be purchased for Professional Liability, General Contractors Liability, Directors and Officers (D&O), Employer Practices (EPLI), Bonds, and Umbrella Policies.
Employee Benefit Plans –
Various plan designs available to assist in recruiting and retention of valuable employees. These plans may be known as “Employee Benefit Plans”, “Cafeteria Plans” or “Section 125 Plans” and consist of one or more of the following: Health, Dental, Vision, Life (Term, Universal, Whole), Medical and Dependent Reimbursement Accounts, Disability (Long and Short-Term), Accident, Cancer Coverage, Critical Illness, Hospital Confinement, Long-Term Care and Individual Retirement Annuities (Traditional and Roth IRA’s).
Workers’ Compensation –
Provides protection to employers for liability imposed by law to pay benefits to any worker injured in the course of and arising out of employment, without regard to fault or negligence on the part of the employer.
