Independent Pharmacist Association Insurance Program

We understand the challenges to the Pharmacist Industry and are here to help you reduce cost and maximize your insurance plan

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Endorsed by SPAR Florida – Preserving Patient Access to Neighborhood Pharmacies

Protect your business with all the top rated carriers in the country.

Access to better health plans at a better price for you and your employees.

Our services cover all aspects of your Payroll process and tax needs.

Commercial Insurance Coverage You Can Count On

Commercial business insurance is coverage for businesses and corporations, generally designed to cover the business, its employees and ownership. Since there are so many types of businesses with different needs and situations, commercial insurance can come in many shapes, sizes and colors.

Commercial Property Insurance

Commercial property insurance is used to cover property and equipment from the risk of disasters. Different types of properties and equipment are considered for commercial property insurance. Several factors, such as location and occupancy, are considered while determining the cost of commercial property insurance. Commercial property insurance may cover items such as: computers, furniture and equipment, exterior signs, fence and landscaping, important documents, inventory and others’ property.

General Liability Insurance

General liability insurance protects owners and operators of a business from a variety of liability exposures from claims that happen as a result of normal operations. Commercial general liability insurance covers legal defense costs if someone sues over a bodily injury, property damage, or advertising injury. Your Commercial General Liability policy can pay for everything from hiring a lawyer to court-ordered judgments and settlements.

Industry Special Circumstances Insurance

Your business will require its own set of special insurance coverages for the risks inherent in your industry. Sometimes these can be added as endorsements to your policy, or you can buy them separately. These could include items such as Malpractice, Bonds, Surety Bonds, Business Owners Policy (BOP), Commercial Package, Directors & Office (D&O), Errors & Omissions (E&O), Professional Liability, Commercial Flood, and Inland Marine.

Commercial Auto Insurance

Commercial vehicle insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto insurance policy. This type of business insurance covers many types of commercial vehicles—from automobiles used for business purposes, including company cars, to a wide variety of commercial trucks and vehicles.

Worker’s Compensation Insurance

A company can eliminate premium financing and premium adjustments through a Pay-As-You-Go Worker’s Compensation program. Your premiums are based on your actual payroll and not projected annual payroll, which will help protect your business from audit exposure.

Medical Malpractice Insurance

One type of professional liability insurance which protects physicians and other licensed health care professionals (e.g., dentists, nurses) from liability associated with wrongful practices resulting in bodily injury, medical expenses and property damage, as well as the cost of defending lawsuits related to such claims.

Protect yourself and your business with commercial insurance. We work with a large number of carriers and can provide access to all the top rated carriers in the country.

Benefits Built For Your Business

Businesses partnering with Applied Business Solutions have access to employee benefits normally offered only by larger companies, allowing them to attract quality employees and save money on their benefit packages with our competitive pricing. Clients may choose from multiple ACA compliant plans based on specific needs and receive online access to health information, claims and other resources.

Benefits Packages

  • Major Medical Health Insurance (PPO, HMO, HSA)
  • Dental Insurance
  • Vision Insurance
  • Accident Coverage
  • Hospital Indemnity
  • Short Term & Long Term Disability
  • Life Insurance
  • Legal Plans
  • NestEggs 401k Retirement Plans
Master Medical Plans A health insurance Master Plan allows us to combine all of the employees we serve under one large insurance umbrella. The employees continue to be individually underwritten or covered by their own company’s plan, but they are pooled with several other PEO-represented companies for underwriting purposes. A Health Insurance Master Plan can change your entire benefits landscape, save you money, and be a critical piece in retaining and attracting the right employees. Contact us today to learn more about our services and how much you could save by using a Master Plan.

Employees gain access to benefits such as Major Medical Insurance, Group Supplemental Products, Dental, Vision, Life Insurance, Short/Long-term Disability and 401k.

Payroll Services to Make Your Life Easier

Applied Payroll Professionals specialize in the complexities of payroll taxes and compliance with government regulations. We provide quick turn-around and accurate payroll and tax filing, including payroll record maintenance and management, to provide you with savings in time & money, greater data security and peace of mind.

Payroll Management

  • Multi-State Payrolls
  • Job Costing
  • Multiple Pay Rates
  • Departments & Job Codes
  • Certified Payrolls
  • Holiday and Overtime Pay
  • OCIP
  • Direct Deposits
  • Per Diems and Non-Taxable Reimbursements
  • Employee Deductions

Tax Management

  • W-2 Processing
  • 940 & 941 filings including federal withholding
  • W-3 processing
  • All payroll related tax return preparation, filing and payment
  • State Withholding
  • State Unemployment
  • Local Taxes
  • Unemployment Claims Handling
  • Tax Credits

We simplify the payroll process by providing qualified payroll professionals to help you avoid costly errors, tax risks and compliance liabilities.

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We provide clients and employees access to a large selection of special offers and discounts through recognized brands that help businesses thrive. National Purchasing Partners offer several discounts made available to the Applied Business Solutions family.