Employee Benefits Broker in Delaware

Lower Your Costs & Boost Employee Satisfaction

Smarter Benefits, Stronger Business

Delaware Businesses Trust Cosmo Insurance Agency for Employee Benefits

Offering competitive employee benefits shouldn’t cost you your bottom line.

If you’re looking to attract top talent, reduce turnover, or keep up with rising insurance premiums, Cosmo Insurance Agency offers a smarter way to support your team without adding more work to your plate.

As a trusted employee benefits broker in Delaware, we help businesses like yours offer high-quality group benefits at competitive rates. We combine years of industry knowledge with personalized support, giving you access to affordable, flexible plans that make your business stronger and your employees happier.

Here’s What to Expect with an Employee Benefits Broker

When you work with us, you get more than an insurance policy; you get a strategic partner invested in your business’s success. From better coverage to smoother administration, here’s how we help Delaware employers get more from their benefits:

Recruit Exceptional Talent and Reduce Employee Turnover

Offering quality benefits shows prospective hires that you care about your team. We’ll work with you to build a benefits package that helps you stand out in a competitive job market and keep your best employees long term.

Save on Costs While Offering Better Benefits

With our extensive network of carriers, we’ll help you find the right coverage at the right price. You’ll get access to high-quality group plans without stretching your budget or sacrificing value.

Prioritize Your Team’s Health and Well‑Being

Happy, healthy employees are more productive and more engaged. We’ll help you choose plans that support your team’s medical, vision, dental, and life insurance needs, so they’ll show up at their best every day.

Stay Compliant Without the Headaches

When you work with Cosmo, you won’t have to worry about missing a filing or getting caught off guard by new requirements. We stay current on federal and Delaware state insurance regulations, helping you stay compliant without added stress.

Want to learn more about working with us? Connect with one of our brokers today.

Hear What Delaware Companies Are Saying About Us

“I am thrilled to write this 5-star review for Cosmo Insurance Company! They went above and beyond to help us get our three-month-old baby added to our health insurance policy, even though the special enrollment period had already ended. We were facing a challenging situation, and Cosmo Insurance Company came to our rescue.

Mark, Rebecca, and Dassi, the amazing team members we had the pleasure of working with, were absolutely phenomenal. They displayed exceptional professionalism.

We highly recommend Cosmo Insurance Company to anyone seeking reliable, caring, and efficient assistance with their insurance needs. Mark, Rebecca, and Dassi have our heartfelt gratitude for going the extra mile to make sure our family is taken care of. They have earned our trust, and we look forward to continuing our relationship with them for years to come. Thank you once again for your exceptional service!”

by Bernard Link

“Cosmo is truly a pleasure to work with. Their knowledgeable staff always return emails and calls quickly, they answered all my questions when choosing insurance plans for my family, and provided me with honest feedback about which plan would give my family the most benefits without spending the most money. I highly recommend them to family and friends.”

by Ariel Beniflah

What’s Included in Our Employee Benefits Packages

We help you offer competitive benefits without the stress of figuring it out alone. Our packages support your team, protect your business, and give you the flexibility to choose the coverage that fits best.

Healthcare Plans

Choose from a wide range of group health insurance options based on your team’s needs and your budget. We’ll help you select plans that offer dependable coverage, provider access, and cost control.

Life Insurance

Protect your employees and their families with group life insurance options that provide peace of mind. Whether you’re looking for basic term policies or advanced plans, we’ll help you find the right coverage.

Vision Insurance

We’ll connect you with affordable vision plans that cover eye exams, glasses, contacts, and more.

Disability Insurance

Provide a financial safety net in case your team is unable to work due to illness or injury. We offer both short- and long-term disability coverage, providing income protection when it’s needed most.

Payroll and HR Benefits That Keep Your Business Moving

Managing payroll and HR tasks on your own takes time away from running your business. With Cosmo Insurance Agency, you’ll get reliable support to keep your team supported and your operations running smoothly.

Streamlined payroll processing with direct deposit and automated tax filings
Integration with leading payroll platforms for easy, error-free management
HR consulting for hiring, onboarding, and employee relations
Guidance on wage and hour laws, FMLA, sick leave, and other compliance regulations
Employee self-service portals for accessing pay stubs and tax forms
Support with COBRA administration and benefits enrollment
Help with policy development, employee handbooks, and workplace best practices

Stay Compliant and Secure with Our PEO Solutions

Our Professional Employer Organization (PEO) services give you the full support of an HR department, without the overhead. While we handle the administrative tasks, you can focus on growing your business and supporting your team.

Unlock the Full Value of Working with a PEO

When you partner with a PEO through Cosmo, you gain access to better employee benefits, streamlined HR support, and expert compliance guidance. It’s an all-in-one solution to reduce your administration costs and free up your time.

Simplify Business Management with Proven PEO Solutions

From payroll to performance reviews, we simplify the everyday tasks that slow you down. We provide hands-on support and easy-to-use systems that work with your existing processes.

Drive Business Growth While We Handle HR Complexity

We manage compliance, onboarding, and policy updates so you can focus on expansion and long-term success.

Simplify Management and Accelerate Your Success

We bring structure, clarity, and consistency to your HR operations, without adding more to your workload. With our guidance, you can feel confident in your policies, paperwork, and employee experience.

Other Insurance, PEO, & HR Services We Offer

See how our comprehensive insurance options can benefit your business.

Areas We Serve Throughout Delaware

Answers to Your Most Common Employee Benefits Questions

Yes! Working with a broker gives you access to expert guidance, better plan options, and more competitive rates. At Cosmo, we act as your advocate, helping you find the right fit for your team without added stress.

Costs can vary based on the size of your team, the types of coverage you choose, and your contribution strategy. We work with you to create a benefits package that meets your needs while staying within budget.

Most businesses start with health, dental, vision, life, and disability insurance, but voluntary benefits and wellness perks are also available. We’ll help you choose a combination of benefits that supports your employees and reflects your company’s priorities.

We compare options across multiple carriers and explain the pros and cons of each based on your needs, budget, and goals. Our brokers make the process straightforward, so you can make the most informed decision.

Unlock Smarter Benefits for Your Business with Cosmo Insurance Agency

Better benefits don’t have to mean higher costs or more admin work. With Cosmo Insurance Agency, you’ll get expert support, flexible options, and a partner committed to helping your business thrive.