And if so what types and can you recommend a good broker? What’s customary?
I’m in Maryland and run a nonprofit horse farm. We have workers compensation insurance for everyone and provide health insurance for our FT employees.
WC is required in MD and everyone who is paying their employees legally carries it. Our broker is United Farm Family and I have been very happy.
Health insurance is not customary around here, but it’s been worth it to us. We pay 100% of the employee-only policy, and they pay for any family members they want to add. My broker only works locally, but drop me a PM if you’re in the DC/MD area.
In a previous barn job, I got a monthly stipend toward insurance that covered 50-75% of my premium. At the time I was the only FT employee and my marketplace options were reasonable. I’m not sure that arrangement is still legal, but I didn’t hate it.
