Business insurance and employee benefits
Protect your employees and your business
Every business relies on quality services to grow their bottom line. Whether it’s high-quality, low-cost employee benefits or commercial products to protect your company, the Chamber partners to save you time and money, and make your life easier. The Minnesota Chamber offers business services – solutions to your business challenges – at competitive costs and with very simple steps.
Looking for an insurance broker for your company? View this list of Minnesota Chamber member insurance brokers.
Employee benefits
Business insurance
Employee benefits
Health
Health insurance is a contract that requires an insurer to pay some or all of a person's health care costs, which typically includes medical, surgical and prescription drug in exchange for a premium. There are different types of plans available, and the coverage is often included in employer benefit packages as a means of recruiting and retaining quality employees.
ChamberHealth makes affordable health coverage available for small and mid-sized companies to bring down costs while offering access to the same high-quality care as large employers.
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Life
Life insurance pays a death benefit, or face value to the policy owner’s named beneficiaries when the insured dies. Supplemental/voluntary coverage can usually be added above the employer’s offering for those families seeking greater coverage. And accidental death and dismemberment (AD&D) insurance may be added as a rider to a policy and covers the unintentional death or dismemberment of the insured.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
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Short-term disability
If an employee is injured, becomes ill, or even recovering from the birth of a child, their ability to work and earn a full income could be impacted. Short term disability coverage protects a portion of the income for a condensed period, typically between six and 12 months, with benefits that begin immediately in some cases.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
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Long-term disability
No one expects to find themselves disabled. Long-term disability is protection for extended illness or injury, and can offer years of replacement income, lasting well into an employee’s retirement age in many cases. A variety of policy options and riders are available for employer plans.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
The Standard offers a Lifetime Security benefit on long-term disability. This continues the long-term disability benefit until death if the disability is severe.
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Dental
Dental insurance helps employees cover the costs of preventive dental care while softening the blow on pricier procedures like crowns, bridges and fillings. Offering quality individual dental coverage sets employers apart from their competitors.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
The Standard includes max builder included on all dental policies. This doubles the max benefit if you go to a dentist once a year and don’t exceed the threshold.
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Vision
Not only does supplying vision benefits save the employee money but it also saves businesses money in the long run. With digital eye strain at an all-time high, vision insurance offers benefits such as discounted vision exams, glasses and contacts, and creating overall wellness support for employees.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
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Identity theft
Employees and their families do nearly everything online. But as digital crime continues to soar, this convenience puts what’s important to them at risk: their assets, identities, family, and tech. MetLife + Aura’s solution is a smart, simple way for employees and their families to stay safe online.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
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Pet insurance
Pets are family, and when they need to see the vet, it can be emotionally and financially stressful for employees.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
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Business insurance
Directors and officers (D&O)
Directors and officers (D&O) insurance protects the personal assets of corporate directors and officers in the event that they are sued by employees, vendors, competitors, investors or customers. Common allegations include breached of fiduciary duty, failure to comply with regulation, lack of corporate governance, creditor claims and reporting errors.
Specialized coverage available for boards of directors who govern non-profit organizations, associations, and chambers of commerce.