Small businesses are the heartbeat of Maryland’s economy. At Cosmo Insurance Agency, we’re here to help you protect your people while protecting your profits. With personalized coverage, clear communication, and dedicated support, we simplify health insurance and make it work for your team, your goals, and your bottom line.
As your small business health insurance broker in Maryland, Cosmo Insurance Agency brings national expertise with a local mindset—delivering custom plans that boost employee satisfaction, reduce administrative pressure, and help your company grow with confidence.
Working with a trusted insurance broker like Cosmo Insurance Agency gives you access to smarter coverage, better pricing, and a team that takes the time to understand your business inside and out. We function as your strategic benefits partner, not just a policy vendor, so you can focus on building your company while we handle the details.
Managing rising insurance costs is one of the biggest concerns for Maryland’s small business owners. Cosmo Insurance Agency analyzes your financial landscape to align your benefits package with your goals—balancing robust employee health insurance coverage with smart, sustainable spending. We help you optimize plan design and contributions to avoid overspending while maximizing value.
We believe a well-informed team is an empowered team. Cosmo provides ongoing education, through one-on-one support, benefits breakdowns, and group sessions, so your employees understand their health insurance options and feel confident in the choices they make.
Tailored benefits build trust. Cosmo Insurance Agency works closely with you to build health insurance packages that meet your team’s needs, leading to higher morale, improved retention, and a more motivated workforce. A satisfied employee is a loyal employee, and benefits play a central role in that equation.
Navigating ACA, COBRA, and Maryland-specific compliance can be overwhelming. Cosmo’s compliance experts take the stress off your plate, managing required documentation and ensuring that your benefits meet state and federal guidelines. With us, you can focus on growth while we handle the fine print.
Every team is different, so your employee benefits plan should be too. Cosmo Insurance Agency offers flexible packages tailored to your workforce, your budget, and your long-term growth plan, so your business can stay competitive and compliant.
We offer robust health insurance solutions that include preventive care, specialist access, hospitalization, and emergency services for small businesses. Whether you’re looking for fully-insured, level-funded, or self-funded options, Cosmo tailors plans to fit your size, industry, and budget. Our healthcare solutions cover routine checkups, chronic condition management, and telehealth access to enhance wellness and reduce absenteeism.
Our group life insurance policies help protect your employees’ loved ones during difficult times. Cosmo offers both term and whole life plans and helps your team understand the importance of financial security. We tailor options based on your workforce makeup to ensure coverage that’s meaningful, affordable, and easy to manage for your small business.
Eye health is essential to overall well-being. Cosmo’s vision plans cover eye exams, frames, lenses, and contact lenses with access to a wide network of providers for small businesses. Giving your employees access to high-quality vision care supports their overall health and well-being; and with us, it’s easy to include.
Whether short-term or long-term, our disability insurance options provide a crucial income safety net during illness or injury. These disability benefits ensure employees at your small business can focus on recovery while still meeting financial obligations. Cosmo structures coverage that works for your business and demonstrates your commitment to employee well-being.
Cosmo Insurance Agency offers full-service PEO solutions that provide small businesses with the same HR powerhouses that large corporations enjoy, without the overwhelming overhead. By outsourcing critical HR, payroll, and compliance tasks, you gain time, confidence, and clarity in managing your business.
Accurate, timely payroll is critical to employee satisfaction. Our PEO services automate payroll processing, handle tax filings, and ensure full compliance with Maryland and federal labor regulations. From wage calculations to year-end reports, we remove the guesswork and save you hours each week.
Cosmo offers structured onboarding programs designed to help new hires hit the ground running. From digital onboarding tools to customized training modules, we help you build consistency, improve retention, and enhance your company’s first impression. We also support ongoing development to help your team grow with your business.
HR shouldn’t be reactive, it should be strategic. Our PEO services include employee handbooks, performance review frameworks, and up-to-date labor law guidance. Cosmo Insurance Agency helps reduce risk, streamline internal processes, and ensure your workplace policies are effective, compliant, and employee-friendly.
Costs vary depending on plan design, company size, and carrier. Cosmo helps you explore a range of affordable options while staying compliant and competitive. We work with major national and regional carriers to offer competitive group rates, with plan structures designed to fit your financial goals and employee needs.
Yes. In many cases, you can deduct the cost of premiums or even qualify for tax credits. Cosmo Insurance Agency helps you maximize every available incentive. Our team walks you through IRS guidelines, eligibility thresholds, and filing steps to ensure you’re taking full advantage of all available tax savings.
Eligible small businesses may receive a tax credit of up to 50% for contributions toward employee premiums under the Small Business Health Care Tax Credit. Cosmo will help determine eligibility and handle the paperwork. We simplify the process with clear documentation support and ongoing compliance guidance to help you claim the credit confidently and accurately.
Typically, a small business is defined as having 1–50 full-time employees. Cosmo works with companies of all sizes within that range to create benefits that scale with growth. Whether you have a two-person startup or a growing team, we tailor plans that evolve with your business while keeping coverage competitive and compliant.
With Cosmo Insurance Agency as your trusted partner for small business health insurance in Maryland, you gain more than a policy, you gain peace of mind, smarter spending, and a stronger team.
Let’s build benefits that support your business today and grow with you tomorrow.
