Does a small business owner have to provide health insurance to his employees?

I'm starting my own business and I want to buy my family's health insurance through the business because they do some work for me. However, I do not want to offer it to my employees who are not in my immediate family. Are there any regulations against this. I just want to know before I proceed any further. Thanks.

p.s. I'm in Georgia, so any rules for that state would be most helpful, but help from anywhere would be great too.


I'm not sure of the health insurance stipulations in Georgia. However, in Virginia it is fine to get health insurance through the company for just the owner and family and not include the employees.

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demand letter for business insurance claim?

I need a sample demand letter for a business insurance claim as per required by georgia law o.c.g.a. 33-4-6


You're demanding a claim? That doesn't make any sense.


But here's your letter;

1. Address it to whomever
2. STate what you want
3. State why you want it
4. State when you want it by
5. tell them what you expect them to do about it
6. include your contact information.

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Insurance with car or person in Georgia?

My wife has been allowing her father to use her car to work as a pizza delivery man while his car is getting fixed. We don't have her car listed as a business vehicle, but he says that if he wrecks it his insurance will cover it. I'm not sure if he is correct or not, but I don't know the law in Georgia. I'm afraid he'll get in a wreck and we'll get sued or have our insurance policy canceled. Is he correct? Thanks.


Insurance follows the car... NOT the vehicle.

Her insurance would DEFINATELY deny this claim due to him delivering pizza during the ax. That is one of the first qudstions i ask people when i do a statement with them "were you on the job at the time of the loss- delivering items etc"

If her policy denied him.. his policy MIGHT pick up and cover it.. but.. there is no definate. All policies are different. My company has some really cheap policies that never cover replacement cars... big companies with more expesnives policies MAY cover it.

But is risking thousands (and possibly tens of thousands) of dollars worth it? Why dont you call his company and get a definite answer? Do tehy even know how delivers pizzas in his car?

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Health Insurance Options and COBRA For Unemployed - HULIQ

Employer based health insurance provides coverage for tens of millions of Americans. Unfortunately, many employees will be without coverage if they lose their job, quit, retire or if their company goes out of business. In most cases, an employee can elect COBRA upon losing employment. The Consolidated Omnibus Budget Reconciliation Act will provide 18 months of additional coverage so long as the group consisted of 20 or more employees. In Ohio, if the group is under 20 employees COBRA allows for up to six months of coverage. This law is sometimes referred to as "Baby COBRA."

There are certain rules regarding who is eligible to elect COBRA and what the cost will be, but in all cases COBRA is temporary insurance for the insured. In addition, the expense to the former employee can be significant. Ultimately, the cost will be determined by the premiums for the former plan plus a 2% administrative fee. Former employees are often surprised to discover how much it will cost to elect their company insurance through COBRA.

Georgia business insurance - News


Health Insurance Options and COBRA For Unemployed - HULIQ
Health Insurance Options and COBRA For Unemployed He owns and operates Hyers and Associates, Inc. an independent insurance agency doing business in Ohio, Missouri and Georgia. His agency offers insurance

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