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4worldlovers: Business insurance can save you from monetary disaster assuming something turns out badly. In any event, when things go right, private company protection can drive your development. Claiming business insurance is a fantastic option of choice for the future. It takes enthusiasm, persistence, devotion and a predictable spotlight on lengthy and momentary objectives. Having business insurance inclusion mitigates a few main issues and gives you additional opportunities to put resources into the outcome of your business. Let us look at the importance of having business insurance: Personal Property Insurance This insurance safeguards your business’ structures and individual property. This could incorporate furnishings, devices, hardware and

4worldlovers: Carman and Fairbanks Insurance Services, Inc. is your trusted advisor for company health insurance services and group benefits including health, dental, vision life and more. Our employer group clients enjoy the latest in online enrollment technology at no cost. We provide individual and family health plans, Medicare health plans, travel insurance, life insurance, and more.

With over 25 years in the insurance industry, Dawn Fairbanks has the experience and the expertise you need. Our strength lies in listening carefully to your corporate or personal insurance needs, and tailoring the plans that maximize your coverage and budget requirements. Most importantly, we provide the highest quality service for the life of your plan, all at no cost to you.


It’s a law! Protect your business and your employees with the best in carriers for small businesses.


Whether just getting started or wanting to change your payroll provider, we’ll help you find a good fit for payroll

Customized ERISA wraps, COBRA solutions, Section 125 POP, and a host of choices for your HSA and FSA needs

We’re passionate about helping our clients! We use our wealth of knowledge and extensive experience to...

We’ll provide you with comprehensive compliance resources, tools, State and Federal laws, HR training videos...

Employers and employees have 24/7 access to a customized benefits enrollment and management site.

Avoid costly compliance mistakes. We provide you with HR Compliance Tools for Administrators and Owners.

Benefits are no longer a perk in today’s business world; they’re an expected part of compensation. Here are some good reasons for offering benefits to your employees:

Employees usually prefer jobs that provide benefits. As the employer, you’ll attract and retain the most qualified candidates.

With access to benefits, employees have improved health. Studies show that presenteeism (working while sick) has the consequence of productivity loss. Implementing a wellness program can help reduce or eliminate presenteeism. Employees with coverage are more likely to seek care and live healthier lives.

The employer has a tax advantage, deducting the cost as a business expense. Many employers ask employees to pay a portion of the cost as a paycheck deduction.

We take the load off your shoulders throughout the entire process. All that we need to generate a quote is the company name and address and the names, dates of birth, and home zip codes for the employees. If employees would like information for family members, we would need the dates of birth for the family members. In order to target the types of plans that best suit your needs and budget, we like to start with a phone consultation.

State of the art Enrollment Technology with Ease (formerly EaseCentral) at no cost

Back office HR compliance tools at your fingertips at no cost

Our many years of experience, our depth of knowledge, high level of service, and our honesty are the qualities our clients appreciate.