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4A's Benefits

4A’s Benefits, a subsidiary of the 4A’s, has been offering business insurance, long-term savings programs, employee medical insurance, and other benefits to member agencies for more than 60 years. Because of our scale, we can, in many cases, offer better, more comprehensive benefits, at a more attractive price than you could obtain otherwise. We understand the advertising industry and make sure our benefits programs fit your specialized needs.

401(k) Retirement Plans

4A’s Benefits’ retirement plans are designed with low cost and transparency in mind, so you can meet your responsibility to employees for offering competitively priced retirement options. You’ll also benefit from the cost efficiencies that come from pooling your plan’s assets with those of other agencies.

Health Insurance

4A’s Benefits has access to fully-insured health plans both inside and outside the community-rated markets. National carrier plans are available, as well as advice on plan design and contribution structure from our broker/partner. To further enhance your plan, HRA, HSA, and FSA arrangements along with integrated administration can round out your offering. Need a Cafeteria Plan, Transit Reimbursement or Premium Reimbursement Plan? We have them all.

We’re very excited to report that smaller agencies (50 lives or less, 100 lives or less in New York & California) can participate in a Professional Employment Organization (PEO) program through Propel HR, to bring 4A’s members access to Group Health Insurance through Blue Choice, a Blue Cross Blue Shield company.

4A’s Benefits also offers nationwide coverage via the Eagle Healthplans solution.

Dental and Vision Insurance

A leading carrier with a national provider network has partnered with our 4A’s Group Insurance Trust to bring a variety of plan designs. Dental incentive PPOs with high plan maximums are available in states where allowed. Adult/child orthodontics is an option on all plan designs.

Workers’ Compensation Insurance

4A’s Benefits is the dominant player in Workers’ compensation insurance for the advertising industry. Our plan maximizes the low claims levels of our industry, achieving low administrative cost through group buying power. The profit in the program is passed along to members through a dividend program.

Group Life and Disability Insurance

Designed to provide benefits for families, Life and long-term disability (LTD) are two of the most important coverages for employees who want to ensure their loved ones are protected and secure in the event they pass on or are no longer able to work. 4A’s Benefits packages these in an easy-to-understand array that comes with an employee EAP plan and worldwide Travel Assistance plan.

Professional Liability Insurance

The 4A’s program through Axis Pro provides proprietary Multimedia Liability Policy/Professional Liability Insurance to members of the 4A’s. The policy includes coverage for infringement of copyright and trademark, errors & omissions, invasion of privacy, right of publicity and First Amendment issues. Available endorsements include E&O for Tech Services as well as Professional Services — Cyber endorsements include Third and First Party coverage, unauthorized disclosure and loss or theft of protected data, Privacy Regulation coverage, Crisis Management and Fraud Prevention Expense, Computer Extortion/Ransomware, Social Engineering and Business Interruption/Data Recovery.

Business Insurance

4A’s Benefits also offers full policy review and coverage for the following lines of insurance: Property, Business Interruption, Crime, Primary and Umbrella Liability, and Vehicle coverage. In addition, you may bundle Employment Practices Liability, Directors and Officers Liability, and Fiduciary Liability insurance in our program with our broker/expert.

Production Wrap-Up Insurance

4A’s Benefits has developed a safety net for you in the Production Wrap-Up Program through DeWitt Stern which offers broader coverage at a 30-40% lower price than production companies are charging you now. How is it possible to bring you the same Production Wrap-Up program that the big guys in the industry enjoy? 4A’s Benefits has the answer.

Want to know more? Have some specific questions? Get in touch with 4A’s Benefits