​Your Employees – Your Greatest Asset for Success

Here at Trout Insurance, we have worked with employers of all sizes and most occupations since 1999. In all those years, a Single True Fact emerges: Your Employees, Staff, Workforce, Human Resources - whatever you choose to call it - are Your Greatest Asset for Success. Developing an effective program of benefits will take your business to the next level. We have NEW Opportunities to Enhance Your Program.

Family Glitch Fixed - Coverage For Dependents

Spouse & dependents may qualify for Premium Tax Credits thru the Health Insurance Marketplace if their offer of family coverage thru their employer is determined to be “unaffordable” as compared to their unique family income. For all our best intentions to develop an effective employee plan, some employees can't afford to cover the whole family. We can review your employees’ unique situation to see if they would benefit from this option.

BOTTOM LINE: Employees whose families have more secure coverage will be more productive and bring you more profit.

Staff With The Marketplace Blues

During the last several years, we have seen the biggest changes ever in health insurance thru the ACA Marketplace. For 2023, consumers will see 142 plan options. Their premium discounts have increased slightly, BUT the insurance premiums for many plans have increased 8 – 20 %. We have been working as certified Marketplace brokers since Day One back in 2013 when the website crashed every 30 seconds. As independent brokers, we provide a resource to your employees to choose the best plan for them and their family.

BOTTOM LINE: Employees who have less stress and confusion work better every single day.

Beyond Just Medical...

Dental, Vision Accident, Hospital Indemnity, Critical Illness & Life Insurance plans are all very important to a productive staff. These may be employer paid, voluntary, or some combination. A new, very popular option is a monthly amount of premium support; then the employee may choose the benefit most important for them and their family.

We have found the program offered thru ALLSTATE Benefits to be a superior option when comparing benefits and cost. They offer dedicated plans and simplified enrollment & administration for your unique business.
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BOTTOM LINE: Stronger recruitment and retention of employees.

Getting the Payroll Out

Payroll and HR are like going to the dentist - Necessary but No Fun. We have partnered with Paylocity to help our employer’s manage and simplify all their employees’ weekly, monthly and annual administration of these dollars.

​BOTTOM LINE: Discounted Fees for clients of Trout Insurance

Shared Community Values

We at Trout Insurance are and have been members of a variety of community organizations dedicated to economic growth and prosperity for your friends and neighbors in WNC. Trout Insurance won the Customer Service Award from the Asheville Chamber and Dave Trout served on the board of Mountain BizWorks. We partner with ABTech Business Incubator and Western Women Business Association.
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AND – we are a proud supporter of JUST ECONOMICS and their advocacy of a Living Wage. Companies that pay their employees well are not only increasing the standard of living for their employees but also sustaining the prosperity of the entire region.

BOTTOM LINE:  It is the RIGHT thing to DO.