The biggest reason why good employees leave is due to the lack of insurance benefits offered by the employer. Small businesses tend to think it would cost too much to offer these health insurance benefits. We solve this problem at Insurance Services 4 U. Our group rates are competitive and affordable to small business owners. You can choose to offer insurance to your employees and choose the amount you will charge on their payroll deduction for the coverage. Some employers offer 50% coverage and some charge 100% directly to their employees as a payroll deduction. Regardless of what you choose, the fact that your company will offer insurance to your employees will help retain good employees. If you would like a group proposal for your company, make sure you ask for the special discount if you enroll at least 8 employees (with an 80% participation).