Our Services
Harbor Financial Group offers premium insurance and benefits packages for the following:
Click or tap an insurance type to learn more.
Group Benefits
As independent health insurance agents, we have the flexibility of representing a variety of insurance companies and products. We are committed to providing affordable employee benefit options that are designed to meet your needs:
- Individual and group health plans
- Dental, vision, life and disability insurance
- Health savings accounts (HSA’s)
- 401(k) Plans
- Section 125 plans
- Voluntary benefits, such as accident and cancer plans
- Legal insurance for employees
- Hospital indemnity
- Identity theft protection
- Long-term care insurance
- Senior healthcare and prescription drug plans
Our clients receive:
- An annual market analysis of available plans and rates prior to your renewal
- Overseeing of annual enrollment meetings and one-on-one meetings throughout the year for new employees
- Prompt (usually same-day) responses to questions, claims assistance and customer issues
- “Hands-on” attention to detail in every aspect of your customer service
We know that your business has one unique, competitive advantage – your employees. Their knowledge, skills, and enthusiasm are key to your success. One of the best ways to retain them is to provide them with the peace of mind that comes with a premier insurance package.
Individual Healthcare
If you’re a freelancer, a small business owner, a consultant, an early retiree, or any employee without a benefits plan, we can help you find the benefits package that works best for your lifestyle and needs.
- Health insurance
- Dental & Vision
- Legal insurance
- Identity Theft protection
- Life Insurance
- Cancer and Accident insurance
- Hospital indemnity
- Long-term care insurance
- Savings plans comparable to 401(k)s
Personal & Commercial Coverage
Harbor Financial Group partners with the Space Coast Insurance Agency, LLC to offer personal and commercial insurance, focusing on professional insurance solutions for individuals and businesses in the Florida marketplace.
- Homeowners
- Auto
- Umbrella
- Boat, Yacht, PWC
- RVs
- Motorcycle
- Flood & Excess Flood
- Commercial Property
- Commercial Auto
- Workers’ Compensation
- Builders’ Risk
- General & Professional Liability
Government Compliance
When we manage benefits administration for government contractors, companies achieve two goals: They stay competitive in their industry through significant cost savings, and they remain compliant with government regulations.
- Service: McNamara-O’Hara Service Contract Act (SCA)
- Construction: Davis-Bacon Act (DBA)
- City & County Living Wage Ordinances
However, many government contractors are either confused or unaware of the Fringe Benefit Obligation. The Affordable Care Act (ACA) adds concern for compliance, as does aligning with regulations set by the SCA, DBA, LWO and PPACA. As a result, many have been satisfying the Fringe Benefit in cash, in lieu of benefits. This strategy keeps companies in compliance, but a Fringe Rate paid in cash is considerably more expensive than a Fringe Rate paid in a bona fide benefits plan.
Harbor Financial Group can solve this complicated issue for government contractors.
When Harbor Financial Group manages benefits administration for government contractors, companies achieve two goals: They stay competitive in their industry through significant cost savings, and they remain compliant with government regulations.
- Employees receive high quality benefits
- The government saves on contracts with more competitive bids
- Contractors save impressive amounts of cash and become more competitive in their industry.
Legal Insurance
Legal insurance gives you and your family affordable access to high quality attorneys in your area. So if you have current legal issues, anticipate future legal issues, or want to set up your will and establish a trust, legal insurance is your solution.
- Health insurance
- Dental & Vision
- Legal insurance
- Identity Theft protection
- Life Insurance
- Cancer and Accident insurance
- Hospital indemnity
- Long-term care insurance
- Savings plans comparable to 401(k)s
Medicare Supplements
When it comes to Medicare, seniors have choices. Information for seniors about their healthcare options can be confusing and overwhelming. It is our mission to educate seniors and help them find the plan that provides the quality care they deserve.
As licensed senior healthcare insurance brokers, we offer Medicare plans from dozens of private insurance companies.
- What is Original Medicare and are there other healthcare options?
- What do Medicare Parts A, B, C and D mean?
- What are the differences between Medicare and other health coverage?
- Is Original Medicare enough health coverage for me?
- Are my prescriptions covered? How much will it cost?
- Do I have deadlines to enroll?
I am very grateful that Dixie was referred to me and came so well prepared to suggest supplemental insurance policies that were the most appropriate for my stated needs. I appreciate that she patiently handled all the details that I would have found overwhelming and promptly responded to my phone calls.
– JoAnn Ruhlmann, Medicare Client
Insurance Partners
Florida Combined Life Insurance Co.
Guardian Insurance & Annuity Co.
Health Options