Benefits of Business Insurance Employee Benefits A business’ human capital is its most important asset. We assist employers with strategies and the implementation of a wide array of employee benefits. Employers utilize our services to structure plan designs and funding mechanisms to both manage administration and compliance of employee benefit plans as well as to recruit and retain employees. Our founder has over 30 years of experience as a broker, consultant and administrator of employee benefit plans, both insured and self-funded. Davis Capital Corp. has also partnered with other highly specialized firms for the delivery of some services. These firms offer a depth of expertise and experience which augments our own and expands our ability to address benefits services. With each employee benefits engagement, a Scope of Services is provided and is a component of the service agreement which outlines all the services provided to the employer. This practice is uncommon for the traditional delivery of employee benefit brokerage services in the marketplace. It distinguishes Davis Capital Corp. from brokers whose only function is to shop for quotes from carriers, organize them in a proposal and answer occasional claim questions as they arise. Executive Benefits Due to many regulatory limitations on broad employee benefit plans, supplemental executive benefits are frequently implemented. We provide products to fund many of these initiatives. These products may include executive bonus plans providing life and/or disability insurance to supplement group insurance benefits, non-qualified deferred compensation or salary continuation plans. Business Continuation Life insurance and disability insurance can provide important solutions to the risk of loss of a key employee. Lost profits to a business due to the death or disability of a key employee or owner can potentially result in bankruptcy. Business Continuation products can also provide the cash available upon the death or disability of a shareholder or owner/partner to carry out the terms of a buy/sell agreement. The policies assure that the surviving owners can carry on the business and the deceased or disabled owner or his/her family can receive payment for the ownership interest in the business on a predefined formula. The result is a business continuation plan with a higher degree of successful completion due to the tax-favored benefits of insurance.