Group Benefits for Subcontractor Crews and Small Construction Businesses
Once your subcontracting business grows past a one-person operation, you're the one who has to offer benefits - no general contractor is doing it for your crew. Sub Pro Health helps subcontractor business owners with 2 to 50 employees build competitive, affordable group health, dental, and vision packages that retain skilled trade workers without adding a full-time HR department.
Group Insurance Plans Available for Small Businesses
Group Health Insurance
The cornerstone of any employee benefits package. Group health insurance covers employees and their families under a single policy, with the employer typically contributing toward the employee premium. Sub Pro Health compares fully-insured, self-funded, and level-funded group health options from leading carriers to find the best premium-to-coverage ratio for a subcontracting crew your size.
Group Dental Insurance
A group dental plan is one of the most requested employee benefits after health insurance. Group dental plans typically offer lower premiums than individual dental plans due to risk pooling. Coverage includes preventive, basic restorative, and major dental work - with optional orthodontic coverage for businesses wanting a more competitive benefits package.
Group Vision Insurance
Group vision plans are one of the lowest-cost, highest-perceived-value benefits you can offer a crew. A group vision plan covering annual exams, glasses, and contacts adds genuine value to your compensation package at minimal cost to your business.
Group Life Insurance
Employer-provided group life insurance is a standard component of competitive benefits packages for construction crews, and it's a meaningful signal to a crew doing physically demanding work that their families are considered.
Group Short-Term & Long-Term Disability
Disability insurance replaces employee income when illness or injury prevents them from working. Short-term disability covers the earlier stretch of recovery; long-term disability takes over from there. Offering disability coverage matters in trades where jobsite injuries are a real risk.
Section 125 Cafeteria Plan
A Section 125 Cafeteria Plan allows employees to pay their share of health insurance premiums with pre-tax dollars - reducing their taxable income and your payroll tax liability at the same time. Sub Pro Health sets up Section 125 plans as part of your group benefits package at no additional charge.
What Does Small Business Group Health Insurance Cost?
Costs vary based on plan level, carrier, employee ages, state regulations, and how many employees participate. Your Sub Pro Health business specialist will build a cost comparison specific to your crew size, trade, and region as part of your consultation.
The Business Case for Offering Employee Benefits
Reduced turnover cost
Replacing a skilled trade employee is expensive and slows down every job on your schedule. Benefits are consistently cited as a top retention driver in construction, where good crew is hard to keep.
Tax advantages
Employer health insurance premiums are deductible as a business expense. Employee premium contributions through a Section 125 plan reduce your payroll tax burden. The math often makes benefits a net-positive financial decision.
Healthier, more productive employees
Employees with health coverage take fewer sick days, address health issues earlier, and return to full productivity faster - which matters when a single crew member being out can hold up a whole phase of a job.
Competitive differentiation
In tight trade labor markets, a comprehensive benefits package can be the deciding factor for the best crew. Sub Pro Health helps small subcontracting businesses offer packages that compete with much larger companies.
How Does the Setup Process Work for Small Businesses?
- Consultation - Your dedicated Sub Pro Health business specialist gathers information about your workforce, budget, and goals.
- Proposal - We present a custom comparison of group plan options across multiple carriers, with detailed cost breakdowns.
- Employee Enrollment - We handle all employee enrollment communication, paperwork, and onboarding - at no cost to you.
- Ongoing Administration - Sub Pro Health provides year-round support for employee questions, plan changes, life events, and annual renewals.
Ready to see your options?
Answer a few quick questions and a licensed advisor will email your personalized plan options within one business hour. 100% free, no obligation.