Employee benefits for insurance agencies,made easy.
97% of U.S. insurance agencies and brokerages have fewer than 20 employees.
You want great benefits for your team. You don’t have the time or the resources to get them.
That isn’t on you. For decades, the benefits industry has been built for big companies, and small businesses have been left to figure it out alone. Cakewalk was built for you.
How it works
You run your business. We handle the benefits.
Tell us about your business.
Start with your business name. We fill in what we can find. Connect payroll and your team comes with it.
Hundreds of options. One tailored package.
We compare hundreds of plans for your team. You get one package, priced and ready to adjust.
We get your team covered.
We invite your team. You see who has started. Each person gets help choosing. Everyone is covered.
Benefits admin. Off your plate.
New hires and departures sync from payroll. Each employee gets a benefits wallet. Their questions come to us, not you.
Your benefits team. On the house.
You pay for coverage. Insurance carriers pay us a commission, so we can handle everything from building your package to supporting your team year round, at no cost to you.
Insurance agencies at a glance
Offering benefits at an insurance agency
Commission-paid producers, licensed staff, and a book of business that depends on keeping good people. Here’s what shapes a benefits plan for an agency.
- of U.S. insurance agencies and brokerages have fewer than 20 employees
- 97%
- openings a year projected for insurance sales agents, 2025–2035
- 43,100
Source: BLS Occupational Outlook Handbook: insurance sales agents
- of private workers in finance and insurance have access to employer medical coverage
- 96%
Source: BLS Employee Benefits in the United States, March 2026: finance and insurance
Commission pay and full-time status
Full-time status follows hours worked, not how someone is paid. For commission-paid salespeople, the IRS expects travel time to be counted too.
Captive life agents
A full-time life insurance agent who sells mainly for one company is a statutory employee, and for accident and health benefits is treated as an employee.
Sources: IRS: statutory employees; IRS Publication 15-B (2026)
Competing for producers
96% of private workers in finance and insurance have access to employer medical coverage, among the highest of any industry. A small agency’s package is measured against that.
Source: BLS Employee Benefits in the United States, March 2026: finance and insurance
If you own the business through an S corporation
Premiums for an owner with more than 2% of an S corporation are deductible by the company and reported as wages on the owner’s W-2, but they aren’t subject to Social Security or Medicare tax. The owner may then be able to deduct them personally.
Source: IRS: S corporation compensation and medical insurance
Benefits are your choice under 50
Employers with fewer than 50 full-time employees, counting full-time equivalents, aren’t subject to the federal requirement to offer coverage. Offering benefits is a decision you make for your team, not a mandate.
Source: IRS: applicable large employers
The small business tax credit
The federal credit can cover up to 50% of premiums for employers with fewer than 25 full-time equivalent employees and average wages under $68,200 in 2026, if you pay at least half of employee-only premiums and buy through the SHOP marketplace. Owners and their families don’t count toward the totals. SHOP plans aren’t offered everywhere, so check your state’s guide.
The whole benefits package.
Medical, dental, vision, life insurance, and income protection. Built around your business and the people who power it.
Start with your team’s needs and your business’s budget. Explore medical coverage online, or work with a benefits advisor to understand your options and choose your next step.
Questions agency owners ask.
Full-time status is based on hours, not pay type: an average of 30 or more hours a week. For commission-paid salespeople, travel time counts toward those hours.
Tell us about your agency.
We’ll follow up to learn about your business and walk you through your options. There’s no cost to work with us.
Prefer to start on your own?