Protect Your Business. Empower Your Employees
Everything your business needs—from commercial insurance to employee benefits—all under one trusted advisor.Add Subtext text. Click "Edit Text" to update the font, size and more.
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NTL Insurance Group helps small businesses protect what they've built with customized commercial insurance and voluntary employee benefits. Michelle LaShay Williams and her team provide expert guidance from consultation through implementation—making the process simple and stress-free.
Your partner in building a thriving workplace
100% employee-paid · zero employer risk
⭐ Personalized Employee Education & Enrollment
We educate your employees one-on-one, making benefits easy to understand and simple to enroll in.
⭐ Seamless Payroll Integration
Our team works directly with your payroll provider to ensure a smooth, accurate implementation.
⭐ Stronger Employee Retention
Competitive benefits help attract top talent, improve employee satisfaction, and encourage long-term retention.
Why Businesses Partner with us
Empower your team without impacting your bottom line
Zero Employer Contribution
Voluntary benefits mean employees pay via payroll deduction — your business pays nothing. Ever.
Improve retention & morale
Attract and keep top talent with a benefits package that rivals large corporations — at zero cost.
Enhance your benefits package
Stand out in the market. Offer accident, hospital, critical illness & disability seamlessly.
Simple payroll deduction
Effortless integration with existing payroll. No administrative burden on your HR team.
We handle all enrollments
Full-service enrollment: one-on-one employee meetings, digital support, and ongoing assistance.
Dedicated support & compliance
Our team provides ongoing employee education, compliance guidance, and annual open enrollment support — at no extra cost to you.
Voluntary benefits your employees want
Plans pay cash directly to employees — regardless of other insurance.
Accident Coverage
Accident Coverage
Lump-sum cash benefits for covered accidental injuries — from fractures to ER visits. Helps with out-of-pocket costs.
Hospital Indemnity
Fixed cash benefit for hospital stays, ICU, or overnight admissions. Provides financial peace of mind.
Disability Income
Replace a portion of income if illness or injury keeps an employee out of work. Short-term & long-term options.
Critical Illness
One-time lump sum upon diagnosis of covered conditions like cancer, heart attack, or stroke.
Plans pay employees directly in CASH
Benefits are paid directly to the employee, tax-advantaged*, regardless of any other insurance they may have. No coordination of benefits — just pure financial support when it matters most.
*Consult your tax advisor. Plans are guaranteed-issue for qualifying groups.
Our Happy Customer
— Sarah M., HR Director,
“We switched to NTL Insurance Group - Powered by The Williams Agency and now offer accident & critical illness coverage with zero admin cost. Our employees feel valued, and retention skyrocketed.”
Need More Than Employee Benefits?
We also provide comprehensive commercial insurance solutions, including General Liability, Workers' Compensation, BOP, Commercial Property, Cyber Liability, Professional Liability (E&O), and Commercial Auto.
© 2026 NTL Insurance Group | Michelle LaShay Williams, Principal | Voluntary benefit plans — no employer contribution required
*Plans pay cash benefits directly to employees. This is a voluntary benefits program. Employer does not pay any premiums. Individual plan terms and conditions apply.