[passionfruit]

Look for an agent that specializes in business/commercial insurance. Too bad I'm in California, or I could help you. An agent that specializes in business insurance should be able to get you a group plan and should be able to show you proposals for several different carriers, and explain the benefits and drawbacks of the various plans. Theyshould also be able to help you with Workers Comp.

Good Luck.

[Cagey]

There are supposed to be some new regulations allowing Self Employed people to pool so they can purchase at group rates. It hasn't happened yet to my knowledge, but should soon.

You may also contact any associations related to the type of business you are in as sometimes they allow members to purchase on their group plan.

Good luck with your new company!

[duck duck goose]

I ran into insurance issues when I started my company and when I got engaged. My fiances' deductibles are outrageous, and I really didn't know who to turn to. Here are a few options for you. Good luck.


http://www.nasro-co-op.com/health/small_business.shtml
http://www.ehealthinsurance.com/ehi/index.html

[RMDupree]

I work for a PEO/Payroll company which provides a variety of services to small to medium size businesses.

I would definitely call a few and find out if they take on companies with 3 employees to start. Using a PEO means that you are in essence pooling with other companies to get discounted health insurance, as well as, take advantage of the payroll, 401k and human resources angle in your business at the same time.

ADP Totalsource
Gevity
Paychex

The list goes on and on....

Call and find out! Can't hurt to check it out and as you get bigger, you can renegotiate your terms and get better rates.