Your Local Partner in
Small Business Insurance

At JHW Insurance Partners LLC, we specialize in affordable, custom-tailored employee benefits solutions for small businesses with 2–50 employees. We help you offer high-quality coverage that keeps your team protected, happy, and loyal—while staying on budget.

Who We Serve

Small Businesses (2–50 employees)
Flexible, affordable group benefits to help attract and retain top talent.

Startups & Entrepreneurs
Smart plan designs for lean teams just getting started.

Local Teams & Nonprofits
Community-based organizations deserve quality benefits too.

Individuals & Families
Marketplace guidance, private plan options, and supplemental coverage.

Why Choose Us: Simple Benefits for Your Business

Compliance Simplified
ERISA, COBRA, and renewal docs handled.

Client-First Service
Dedicated local support year-round.

Local & Women-Owned
St. Charles–based with Missouri
and Illinois expertise.

Affordable & Flexible Options
 From fully insured to ICHRA.

We help you choose, design, and manage employee benefits that protect your team and fit your budget. We specialize in small businesses—making benefits easy, affordable, and personal.

“They made benefits simple and saved us money without cutting coverage.”
— Local Missouri Manufacturer

How it Works

How We Make Employee Benefits Easy:

1️⃣ Discover – We learn about your business goals, team size, and budget.
2️⃣ Design – We research top carriers and recommend the best options for you.
3️⃣ Enroll – We handle the details and help you onboard your team.
4️⃣ Support – We’re here year-round to answer questions and manage renewals.

Frequently Asked Questions

  • Small group health insurance provides coverage for businesses with 2–50 employees. It offers lower group rates, access to top provider networks, and helps you attract and retain talent with quality benefits

  • Costs depend on factors like number of employees, coverage levels, and carrier choice. We’ll help you design an affordable plan tailored to your budget. Request a free consultation for a custom quote.

  • Offering benefits like health, life, and disability insurance helps you compete for talent, improve retention, and show employees you value their well-being.

  • "Friendly, professional, and efficient service. I highly recommend JHW Insurance to anyone looking for coverage."

    Alicia D., Illinois

  • "Alicia and Amy simplified finding health insurance for my small business, letting me focus on my work."

    Melissa R., St. Louis

  • "I was overwhelmed with all the insurance options out there, but JHW Insurance made it so simple and stress-free."

    Michael B., Missouri

  • "Excellent customer service. They answered all my questions and made sure I understood my options."

    Linda G., Illinois

  • "JHW Insurance made everything so easy! They helped me find a plan that fits my needs and budget perfectly."

    Sarah M., Missouri

Ready to Build Your Employee Benefits Plan?

Let’s design the right coverage for your team. Get a free, no-obligation consultation today.