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Disability & Life Insurance for Employees

Protect Your Employees & Your Business

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Your employees are your greatest asset. What happens if they can’t work due to illness, injury, or an unexpected loss? Disability and life insurance provide financial security for your team—and help your business avoid disruption when the unexpected happens.


At Cornerstone Insurance Agency, we offer short-term and long-term disability coverage and group life insurance options to ensure your employees and their families are protected. With customized plans for businesses of all sizes, we make it easy to offer affordable, essential benefits.


Let’s build a benefits package that protects your team

What Does Employee Disability & Life Insurance Cover?

COVERAGE

A man in a wheelchair is sitting at a table with two other people.

01

Short-Term Disability Insurance

Provides income replacement for employees unable to work due to illness, injury, or surgery.

02

Long-Term Disability Insurance

Covers extended periods of disability, helping employees maintain financial stability.

03

Group Life Insurance

Offers financial support to employees’ families in the event of an unexpected loss.

04

Buy-Sell & Key Person Insurance

Protects business continuity by covering critical employees or business partners in case of death or disability.

FAQs

  • Is disability insurance required for businesses?

    While not legally required in most states, offering disability coverage helps businesses stay competitive in hiring and retaining employees.

  • What’s the difference between short-term and long-term disability insurance?

    Short-term covers temporary injuries and recovery periods, while long-term disability supports employees who can’t work for extended periods.

  • How much life insurance do employees need?

    Most employers offer coverage that equals one to three times an employee’s salary, but customizable plans are available.

  • Does key person insurance protect my business?

    Yes! If a key employee, partner, or executive passes away, key person insurance helps cover financial losses and transition planning.

Still have questions? Call (979) 553-4343, and we’ll find the best coverage for your employees.

Protect Your Employees & Your Business

Show your employees you value their well-being by providing essential life and disability coverage.



Find the right employee benefits for your team today.