Meet Stacey Gilbert, Technology Coverage/Employee Benefits Consultant and Entrepreneur. Stacey has over 25 years of experience up to the Fortune 100 level working for two insurance companies as a national accounts manager and as a broker managing a Fortune 200 client. Stacey also has experience as a part of a group of founders in a dot com and understands the unique challenges of the tech environment. She formed Denver Tech Insurance, a “woman owned, technology focused startup”, to focus on the unique requirement of small technology companies needs for inexpensive solutions finding top coverage and resources while they are bootstrapped and watching every dollar.
Stacey can help you in these areas:
Did you know the average Cyber Security Breach can cost a small business with 1000-3000 records an average of $250,000-$1,000,000? Do you have that in the bank? How do you secure data? What if your deliverables are “buggy” or not on time per contract? Do your employees have laptops with sensitive data? Stacey has solutions and Cyber Security experts who can help secure your data and protect your small business from the legal, notification and regulatory costs in the event of an incident.
Do you know about the requirements to obtain health insurance coverage by January 1, 2014 (individual or group)? Are you a solopreneur or small business with less than 50 employees and average wages under $50,000 a year? Stacey is Certified by Connect For Colorado to help individuals and small businesses who qualify for a tax credit that will help pay a portion of their coverage. She’ll help you navigate the confusing landscape of changes that will go into effect January 1 (with Oct-Dec enrollment). Stacey also has inexpensive coverage solutions available for individuals and small businesses who make larger salaries and don’t qualify for the exchange. Are you a group of founders with individual coverage? You may get better rates by starting a group.
Did you know that employee eligibility for group insurance is changed with Health Care Reform? Your waiting period for new employees on your group coverage is now changed by the new health care reform law
Have you sent out the model notice about Healthcare Reform to employees that is required to be sent by October 1?
Are you aware of the ERISA requirements regarding SPD’s? 90-95% of employers are OUT of compliance with at least one violation of ERISA. Are you “audit ready?” THE DOL is hiring over 1000 more auditors to go after $1.4 trillion in fines and penalties and they are going after all size groups.
Are you bundling HR, Payroll, Workers Compensation and Benefits? Did you know you might be paying thousands of dollars for services you don’t utilize or need right now and because of the bundling arrangement and with a nationally based pooled insurance arrangement, pooled with unhealthy groups on the health insurance (higher rates) and you may be losing tax credits available to you through Health Care Reform by not working direct with a local broker, along with lower rates for coverage that is “based” in Colorado. You also lose the “choice” of benefits and services. Our audits are finding an average savings on the payroll and HR services of $70-$150 a month and significant savings and tax credits for many small groups on the health insurance.
Did you know that the state Workers Compensation company is not the most cost effective for a small technology company? Did you know that there are insurance companies who have discounted rates for technology companies (traditionally lower risk) there are companies that give you an additional discount (coupon) for health insurance coverage with a partner company? Again, bundling your high tech business Workers Comp with a pool that has high risk businesses can cost you more.
Are you seeking angel funding, loans or any other kind of funding for your business? Have you taken the risk off of these sources by securing your Cyber Liability, Tech E&O, Directors and Officers, Employment Practices and General Liability coverage?
What happens if one of your founding partners dies or is disabled? Does the stock go to their family? Do you want to be in business with the spouse or parent left behind? Buy/Sell Agreements are an important solution and we have sources to help you.
Stacey will provide Innovation Pavilion members and insurance audit, a checklist of items that need to be reviewed, a Cyber Security Resource sheet with clickable links to whitepapers and data that are important to securing your data and a health care reform checklist. If you are not able to meet with her on the designated EIR day, please call her at 303-471-9424 to set up a time to meet with her.
Please help schedule the day so you are not waiting by clicking on the Contact Us and imputing your contact information and time you would like to meet! Thanks