Drive with confidence with reliable coverage that keeps you protected on the go.
Insurance solutions designed to shield your business from financial risks.
Medical insurance designed for international travelers and visiting families.
Looking for insurance that truly fits your needs? InsuCube Insurance Services is a fully licensed, independent agency specializing in employer and individual insurance plans. Our experienced agents provide personalized plan options, competitive rates, and unmatched support, making it easy to protect yourself, your family, and your business. From Home and Auto to Commercial, Student, and Visitor or Travel Health Insurance, we craft comprehensive solutions tailored to your needs. Get your personalized quote today and see how simple insurance can be.
At InsuCube, we work for you - not the insurance companies. Being independent means we can compare plans across multiple providers to find what fits your needs and budget.
We partner with all the major US insurance companies to give you solid coverage at fair prices. Our goal isn’t just to sell a policy - it’s to make sure you have the protection you need and feel confident in your coverage.
We provide expert guidance to help you choose the right insurance for every need.
Your home is one of your most valuable assets, and protecting it should be simple and reliable. InsuCube Insurance Services offers Home Insurance solutions to safeguard your property, belongings, and financial security. Whether it’s a house, condo, or rental property, our policies cover fire, theft, storms, vandalism, and personal liability. As an independent, licensed agency, we partner with trusted carriers to provide flexible coverage and competitive pricing. Our team guides you from choosing the right policy to assisting with claims, so you can feel confident that your home and family are protected.
Auto Insurance protects your vehicle, finances, and safety on the road. InsuCube offers tailored Auto Insurance solutions that balance strong coverage with affordable rates. Whether you drive daily or occasionally, we help you find the right policy for accidents, damage, liability, and unexpected events.
Coverage options include liability, collision, comprehensive, medical payments, and uninsured or underinsured motorist protection. Add-ons like roadside assistance and rental reimbursement are also available. As an independent agency, we compare multiple carriers to get you the best value and discounts for safe driving, multi-vehicle policies, and bundling. From quote to claim, we guide you every step of the way.
Running a business comes with opportunities and risks. Unexpected events can happen at any point in time. But with the right coverage, you can navigate challenges with confidence.
InsuCube Insurance Services provides comprehensive Commercial Insurance solutions for small and medium businesses. Our experienced advisors understand nationwide rules and regulations and help protect your business against property loss, liability, and other common risks. We work with you to create tailored coverage that safeguards your business at every step, so you can focus on growth while we handle the protection.
Protect your business from unexpected risks.
Commercial General Liability, or CGL, covers your business against a variety of situations, including:
Protect your business from digital risks.
Cyber Liability insurance helps safeguard your business against online threats and technology-related risks. It covers liability for data breaches that involve sensitive customer information, such as health records, Social Security numbers, bank or credit card details, and driver’s license information.
With this coverage, your business is protected from the financial and legal consequences of cyberattacks, giving you peace of mind in an increasingly digital world.
Protect your business against professional mistakes.
Errors and Omissions (E&O) insurance is a type of professional liability coverage that safeguards businesses, employees, and associates from claims related to mistakes, negligence, or incomplete work while providing services.
Unlike general liability insurance, E&O specifically covers legal costs and settlements up to the limits stated in your policy, helping your business handle claims confidently and maintain its reputation.
Protect your employees and your business.
Workmen’s Compensation insurance provides medical care and wage replacement if an employee is injured while on the job. In return, employees generally give up the right to sue their employer for negligence.
Most states require businesses to carry this coverage as soon as they hire their first worker. Even if your state doesn’t require it, this plan protects your business from costly medical bills and potential lawsuits.
In monopolistic states like Ohio, Washington, North Dakota, and Wyoming, coverage must be obtained through state funds.
Workmen’s Compensation can cover:
Extra protection when you need it most.
Umbrella Liability insurance provides broad coverage that goes beyond the limits of your existing policies, including Commercial General Liability (CGL), Workmen’s Compensation, and auto insurance.
It protects your business from claims that may not be covered by other plans, such as libel, slander, false arrest, or liability for rental properties you own. With Umbrella Liability, your business gains an additional safety net to handle unexpected risks and larger claims with confidence.
Protect your business vehicles and keep your operations moving.
Commercial Auto insurance safeguards your company if your vehicles are damaged, stolen, vandalized, or involved in an accident.
This coverage helps pay for vehicle repairs or replacement, medical expenses, and property damage to third parties. With Commercial Auto insurance, your business stays protected on the road, so you can focus on running operations without worrying about unexpected vehicle-related costs.
Protect your business from workplace-related claims.
Employment Practices Liability Insurance (EPLI) safeguards your company if an employee sues for unlawful employment practices or other work-related issues. With such claims becoming increasingly common in the USA, this coverage ensures your business doesn’t have to pay legal fees or settlements out of pocket.
To be effective, the policy must be active when both the incident occurs and the claim is filed.
EPLI typically covers businesses for claims such as:
Protect your business and your clients from employee-related fraud.
First-Party (Fidelity) Bond protects your business if an employee commits theft, forgery, or fraud. If your staff has access to your assets or finances, this coverage provides peace of mind and financial compensation in case of loss.
Third-Party Bond protects your clients if one of your employees steals money or property from them. It reimburses the affected client, helping maintain trust and safeguarding your business relationships.
With First and Third-Party Crime Bonds, you shield both your business and your clients from financial and reputational risk.
Protect your leaders and your business.
Directors & Owners (D&O) insurance safeguards company directors and owners from personal financial losses if they are sued for decisions made while managing the business.
The policy also covers legal fees and other expenses the company may incur due to such lawsuits.
D&O insurance protects against claims related to:
Protect your business against lost revenue.
Accounts Receivable (AR) insurance safeguards your business from financial losses if your AR records are lost, damaged, or destroyed. Without these records, collecting payments from clients can become difficult or impossible.
This coverage ensures your business can recover owed funds and maintain cash flow, giving you peace of mind and financial security.
The U.S. offers world-class medical care, but it comes at a high cost. Without proper insurance, a medical emergency could lead to significant expenses. Visitors Insurance provides coverage for medical emergencies, hospital visits, and other healthcare needs while you are in the U.S. With this plan, you can travel with peace of mind, knowing that unexpected medical costs won’t derail your visit.
Stay healthy and covered while studying in the U.S.
Each year, approximately one million international students come to the United States to attend college or university. Most institutions require health insurance for enrollment and visa compliance. A medical plan also ensures you can access and afford care from U.S. healthcare providers.
Healthcare in the U.S. can be very different and costly compared to your home country. Without proper insurance, a simple illness or injury could result in significant medical bills.
InsuCube Insurance Services, through our subsidiary Visitors Guru, has been helping international students secure reliable visitor and health insurance, giving you peace of mind while you focus on your studies.
Travel to the U.S. with confidence, not financial risk.
The United States is known for its advanced medical care, but that quality comes at a high cost. There is no universal health coverage for visitors, which means even a routine doctor visit or emergency treatment can become very expensive without insurance.
If you’re planning a trip to the U.S., visitor medical insurance helps protect you from unexpected healthcare costs. These short-term plans are designed for travelers and provide coverage if you get sick or injured during your stay.
Coverage typically includes hospital stays, emergency room visits, doctor consultations, lab tests, and prescription medications. Many plans also help you locate medical providers and offer added travel-related benefits. Coverage applies only to new illnesses or injuries that occur during the policy period and does not include pre-existing conditions.
InsuCube Insurance Services, through our subsidiary Visitors Guru, has been helping travelers secure dependable visitor medical insurance for years, so you can focus on your trip with peace of mind.
Travel abroad knowing you’re covered.
When traveling outside the United States, your regular health insurance may not protect you. Most U.S. health plans, including Medicare and many ACA policies, only cover care within the country. That’s why government agencies recommend travel insurance for international trips.
International travel insurance helps cover medical expenses if you get sick or injured overseas. Many plans also include added protections such as emergency evacuation, trip interruptions, lost baggage, and travel delays, giving you support when you’re far from home.
InsuCube Insurance Services, through our subsidiary Visitors Guru, has helped travelers for years find reliable international travel insurance that offers both medical coverage and peace of mind wherever their journey takes them.
Meet visa requirements and travel Europe with confidence.
Traveling to any of the 26 Schengen countries requires valid travel medical insurance as part of the visa process. This coverage helps pay for medical treatment, emergencies, and unexpected healthcare costs during your stay, so you’re not burdened with high out-of-pocket expenses abroad.
Schengen Visa Insurance ensures you meet official visa requirements while giving you access to quality medical care throughout your trip.
InsuCube Insurance Services, through our subsidiary Visitors Guru, has supported travelers for years by helping them secure compliant and reliable Schengen insurance plans, making the visa process smoother and travel worry-free.
The Employee Retirement Income Security Act (ERISA) is a federal law that sets minimum standards for employer-sponsored retirement and health benefit plans in the United States. It is designed to protect plan participants by ensuring transparency, consistency, and proper administration.
ERISA requires employers to provide a Summary Plan Description (SPD) that clearly explains plan terms, coverage, and employee rights to all enrolled members. This document must be shared with new employees and updated when plan changes occur.
If a written and updated ERISA plan document is not provided within 90 days of a plan change, employers may face compliance issues and penalties. In addition, businesses with more than 100 plan participants are required to file Form 5500 annually.
InsuCube helps ensure your ERISA documentation and filings are accurate, timely, and fully compliant.
If you deduct insurance premiums from employee pay on a pre-tax basis, a POP document is required to stay compliant.
A POP (Premium Only Plan) allows employees to pay for health, dental, and life insurance before taxes are applied, helping them save up to 30% on federal income tax and FICA with every paycheck. Employers also benefit by reducing their FICA liability by 7.65%.
Without a valid POP in place, pre-tax deductions are considered non-compliant and may result in penalties. POP is also referred to as a Section 125 or Cafeteria Plan.
COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985) is a federal law that applies to employer-sponsored group health plans with 20 or more employees. It allows employees and their families to continue their existing health coverage for a limited period after losing eligibility.
Coverage may be extended in situations such as reduced work hours, job loss, job changes, retirement, divorce, or the death of the covered employee. Proper COBRA administration ensures timely notices, accurate tracking, and full compliance with federal requirements.
To qualify for tax-favored status, employee benefit plans must not favor key employees or highly compensated employees in eligibility, benefits, or contributions. Federal regulations under IRC Sections 125, 105, and 129 set clear rules to ensure fairness across all employee groups.
Each applicable benefit plan must undergo annual nondiscrimination testing, and the results must be properly documented to demonstrate compliance and avoid penalties.
Employers are required to report health insurance offer and coverage information to the IRS, and in some cases to select states, by year-end. Under the Affordable Care Act, businesses classified as Applicable Large Employers (ALEs) with 50 or more employees must file Forms 1094-C and 1095-C, detailing the coverage offered to employees.
Employers with fewer than 50 employees are generally exempt, unless they offer self-insured plans. InsuCube provides ACA reporting as a value-added service, helping clients complete accurate filings on time while staying fully compliant and stress-free.
A Health Savings Account is a tax-advantaged savings account that helps individuals set aside money for medical expenses not typically covered by high-deductible health insurance plans.
A Health Reimbursement Arrangement is an IRS-approved, employer-sponsored benefit that allows employers to reimburse employees, tax-free, for health insurance premiums and eligible medical expenses paid out of pocket.
An HRA is not a health insurance policy. Instead, it works as a monthly allowance set by the employer. Employees choose the healthcare services or insurance plans that fit their needs, and employers reimburse expenses up to the defined limit.
HRAs offer flexibility, cost control, and meaningful health benefits, making them especially useful for small businesses that may not offer traditional group health insurance.
A Flexible Spending Account is an employer-sponsored benefit that allows employees to set aside pre-tax income for eligible medical and dental expenses, helping reduce out-of-pocket healthcare costs.
Some employers also offer a Dependent Care FSA, which can be used to pay for childcare expenses for children under 13 or care for eligible dependents, such as a spouse or adult who requires assistance with daily care.
InsuCube Insurance Services helps employers meet their annual Form 5500 filing requirements with accuracy and confidence. Form 5500 is a federal requirement for certain employee benefit plans and is used by the IRS and Department of Labor to ensure proper plan management and compliance.
Our team handles the preparation and filing process, making sure all required information is complete, timely, and aligned with current regulations. With InsuCube managing your Form 5500 filings, you reduce compliance risk and avoid costly penalties while staying focused on running your business.
InsuCube Insurance Services supports you throughout the claims process to make it as smooth and stress-free as possible. We act as a liaison between you, your employees, and the insurance carriers to help ensure claims are submitted correctly and followed up promptly.
From guiding you on required documentation to tracking claim status and resolving issues, our claims facilitation service helps reduce delays and confusion. The goal is simple: faster resolutions, clearer communication, and better outcomes when it matters most.
We answer the most frequently asked insurance questions here.
InsuCube is a fully licensed, independent insurance agency providing Home, Auto, and Commercial insurance solutions. We guide clients in comparing policies, understanding coverage options, and selecting the plan that best fits their needs - always at competitive rates.
As an independent agency, InsuCube partners with multiple insurance carriers, not just one. This means we can compare a variety of plans, customize coverage to fit your needs, and help you find better pricing and benefits than a single-company agent could provide.
You can easily request a quote through our website, by phone, or via email. Just provide some basic information, and our team will create personalized coverage options tailored to your needs.
Yes. Bundling your policies can help you save money and make managing your insurance easier. InsuCube partners with carriers that provide attractive multi-policy discounts, so you can enjoy both convenience and savings.
If you ever need to file a claim, reach out to your insurance provider or us right away. We will walk you through each step, help you collect the necessary documents, and stay with you until your claim is submitted and processed without hassle.
Home insurance generally protects the structure of your home, your personal belongings inside it, and you against legal liability if someone is injured on your property. It also helps cover temporary living expenses if a covered event makes your home unsafe or unlivable.
Yes. Even without a mortgage, home insurance protects your property, belongings, and finances from risks like fire, theft, storms, and liability.
No. Standard home insurance does not cover floods or earthquakes. Separate coverage or add-ons are usually required.
Auto insurance generally covers liability, vehicle damage, medical costs, and protection against uninsured or underinsured drivers. Coverage depends on your policy and state rules.
You can lower your premium by bundling policies, driving safely, choosing a higher deductible, adding anti-theft devices, and using available discounts.
It depends on your policy. Some plans include rental coverage, while others require an add-on.
InsuCube offers tailored insurance solutions for your business, including Business Owner’s Policies (BOP), General Liability, Commercial Auto, Workers’ Compensation, Professional Liability (E&O), Cyber Liability, and more - customized to fit your industry’s needs.
Business insurance protects you from costly risks like accidents, lawsuits, property damage, employee injuries, and cyber threats, helping keep your business secure and compliant.
A BOP bundles general liability and commercial property coverage into one affordable policy for small and mid-sized businesses.
Yes. Commercial insurance can be tailored to your business’s industry, size, operations, and budget, so you are covered only for the risks that matter most to you.
