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Coronavirus Resource Center Our thoughts and prayers go out to those impacted by the COVID-19 virus. iBusinesssolutions continues to monitor the current Coronavirus (COVID-19) situation. We will update the resources and links below as new information becomes available. If you have any questions, please feel free to call our office. Important Links Below…… 1. Families First Coronavirus Response Act: Employee Paid Leave Rights 2. Families First Coronavirus Response Act: Employer Paid Leave Requirements 3. Families First Coronavirus Response Act: Questions and Answers 4. U.S. Small Business Administration – Disaster Assistance 5. Guidance for Preparing Workplaces for Coronavirus – U.S. Department of Labor 6. U.S. Department of Labor – Main Website 7. Florida Dept. of Economic Opportunity Unemployment/Reemployement Claims Filing 8. COVID-19 and the Fair Labor Standards Act Questions and Answers 9. COVID-19 and the Family and Medical Leave Act Questions and Answers 10. CARE ACT – Coronavirus Aid, Relief, and Economic Security Act: US Chamber of Commerce 11. Emergency Loans – Small Business Guide and Checklist 12. Paycheck Protection Program Information

Explore exciting career opportunities with iBusinessSolutions. Join a growing leader in HR and payroll software serving Florida with innovation and integrity. Careers in HR & Payroll Services Vision Statement: To invest $250,000 annually into our team and community to inspire positive change. APPLY HERE If you're looking for a mission driven company with values and growth opportunities, then we are looking for you. But don't take our word, see what our staff says about us below... Contact Us WHAT OUR STAFF THINKS. It's all about culture. "I enjoy that we are have the small company atmosphere. Our bosses are personable, we have flexible hours when needed, and our dress code is pretty chill." "Christian based company." "We aren't just coworkers, we are one big work family." "Not like a normal corporate company job, where you're just another worker and not appreciated. Here at iBiz, we are valued and cared about. The owners really care about their employees, and go above and beyond to help them if they're in a rough spot." "The growth! Since I have started, I have seen tremendous growth which provides job security. I am excited to see what the future holds for the company & I'm glad to be a part of it!" "THE PEOPLE! Everyone is willing to help and easy to get along with. Anytime I have a question, anyone I ask is willing to explain an answer or collaborate with me to determine an answer or solution. " "The partners! Each one of them is understanding and easy to talk to. Highly enjoy that they are family oriented and allow us all to have a work-life balance. They also listen and continue to make changes to better all of their employees (as well as our society)."

Privacy Policy Last Updated: January 9, 2026 Objective This policy applies to all personal data processing carried out by the Company and aims to inform the user about the way in which the Company processes personal data (including details of the type of personal data collected and the purpose of processing) and regarding the rights of the user in relation to their personal data. Contact Information In case a user has any questions about the Privacy Policy or would like to establish communication, the user can contact the Company through the following means: Address: 7020 Professional Parkway, Suite 100 Lakewood Ranch, FL 34240 Phone Number: (941) 487-7275 Email Address: admin@ibusinesssolutions.com In addition, information about the officer in charge of processing your personal data is listed below: Company Name: iBusinessSolutions referred to in this document as “Company” Identity of the Controller: IBUSINESSSOLUTIONS, INC. Address: 7020 Professional Parkway, Suite 100 Lakewood Ranch, FL 34240 Email Address: admin@ibusinesssolutions.com referred to in this document as “Email Address” Approval Your use of the Site constitutes your acknowledgment and approval of the Company's Privacy Policy and the Company’s Terms and Conditions, if any. Categories of Personal Information We Collect About You In compliance with current regulations on the protection of personal data and depending on your interaction with us, we may collect the following categories of personal information about you directly from you, from third parties, and automatically through your use of our Site. Identifiers, such as your name, postal address, telephone number, date of birth, IP address, unique online identifier, or similar identifier. Protected classifications, such as age and gender. Payment information, such as your financial account information, credit card number, debit card number, or other payment card information. Commercial Information, such as records of products or services purchased or obtained, membership records, and records of gifts. Professional information, such as the name of your employer and business title. Internet or other electronic network activity, such as your browser type and operating system; web pages you view, links you click, search history on the site, and other information regarding your interaction with an internet website, email, newsletter, or advertisement; the length of time you visit our site; and the referring URL, or the webpage that led you to our site. Geolocation data, as defined under applicable law. Inferences, such as inferences drawn to create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes. Sensitive personal information, as defined under applicable law, such as your precise geolocation data and financial account information. Information We Collect Directly From You. We collect personal information directly from you when you use our Service. If you sign up to receive information or services from us or if you register for an account on our site, we may collect your contact information (e.g., name, home address, telephone number, or email address) and account login credentials. If you contact us, we may collect your contact information, as well as the contents of a message or attachments that you may send to us, and other information that you choose to provide. Information We Collect From Other Sources. We may collect personal information from our parent, affiliate, and other related entities, as well as from third parties that perform functions on our behalf, such as our advertising and analytics partners. When you sign in to our Service using a social media account, you give permission to the social media platform to share your personal information with us. Information We Collect Automatically. We, and our third-party business partners, automatically collect personal information when you use our Service using cookies, pixel tags, clear GIFs, or similar technologies. This may include information such as your IP address and the types of personal information described above as “Internet or other electronic network activity.” This may also include information about your location if you give us permission to do so (“Geolocation Data”) by setting your device to allow for location tracking/data or by opting into browser prompts that ask for location tracking. You can enable or disable location services when you use our Service at any time, through your device settings. Please review our section below on Cookies for additional information regarding our use of cookies and related technologies. How We Use Your Information Depending on your interaction with us, we may use the categories of personal information described above for the following business and commercial purposes: To provide our Service and fulfill your requests. We use your information to provide and maintain our Service, to process and fulfill your requests, to communicate with you about your use of our Service or changes to our Service, to respond to your inquiries, and for other customer service and business administration purposes. To improve our Service. We use your information to understand and analyze our user base and how you use the Service, to improve and enhance the Service, and to develop new products, services, features, and functionality. Identification and authentication purposes. We may use your information for identification and authentication purposes. For example, when you enter your account login ID and password to enter one of our registration or login portals, we use your login credentials to authenticate your identity. Personalization. We use your information to tailor the content and information that we may send or display to you, offer location customization, personalized help and instructions, and otherwise personalize your experience while using the Service. For example, if you allow us to collect geolocation data, we use this information to deliver content related to your specific location and identify business locations/listings around your location. Marketing and promotional purposes. We may use your information to send you news and newsletters, event updates, and to communicate with you about new features, offers, events, or products, or to otherwise contact you about information we think may be of interest to you. Research and reporting. We may use your information to administer surveys and questionnaires (online and offline) for research and reporting purposes to help us better serve individuals by learning more about their needs and the quality of the products, services, and educational information we provide. The survey responses may be utilized to determine the effectiveness of our Service, various types of communications, advertising campaigns and/or promotional activities. Combining information. We (and our third-party business partners on our behalf) may merge, co-mingle, or otherwise combine information, including your personal information, in furtherance of the purposes described above. To comply with legal obligations. We may use your information to comply with our legal obligations or to exercise or defend our rights or the rights of a third party, including complying with law enforcement or government authority requests and participating in compliance audits. To protect us and others. We may use your information where we believe it necessary to investigate, prevent, or take action regarding suspected or actual illegal activities, fraud, situations involving potential threats to the safety of any person, or to otherwise enforce this Policy, our Terms and Conditions, and the integrity of the Service. Deidentified data. We may also deidentify or anonymize your data in such a way that you may not reasonably be re-identified by us or another party, and we may use this deidentified data for any purpose permitted under applicable law. To the extent we deidentify any data originally based on personal information, we will maintain and use such data in deidentified form and will not attempt to reidentify the data. SMS Consent: Mobile Opt-In, SMS consent and phone numbers collected for SMS communication purposes will not be shared with third parties and affiliates for marketing purposes. If we want to use your information for any other purpose, we will ask for your consent and use your information only when we receive your consent and then only for the purpose(s) for which consent will be granted, unless we are required by law to do otherwise. We will retain your personal information with us for an unspecified amount of time after user accounts remain idle or for as long as necessary to fulfill the purposes for which it was collected, as detailed in this Privacy Policy. Data Retention Your personal information will be held for only so long as it is necessary for the purpose for which it was originally collected, and in accordance with applicable local law. We will retain your personal information for the period necessary to fulfill the purposes outlined in this Policy. When assessing retention periods, we first examine whether it is necessary to retain the personal information collected and, if retention is required, work to retain the personal information for the shortest possible period permissible under applicable law. To determine the appropriate retention period for personal information, we consider the amount, nature and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of the personal information, the purposes for which we process the personal information, and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements. How We Disclose the Information We Collect We may disclose each of the categories of personal information described above for our business and commercial purposes as follows: Related Entities. We may disclose the personal information we collect about you to our parent, affiliate, and related entities. Service Providers. We may disclose the personal information we collect about you to service providers, contractors, and agents who perform functions and business operations on our behalf, for the purposes set out above. Third Parties. We may disclose the personal information we collect about you to third-party business partners, such as entities that provide us with advertising and analytics services, as well as business partners with whom we may jointly offer products, services, or educational information or whose products or services we believe may be of interest to you. We may also disclose your personal information in the following circumstances: Business Transfers. If (i) we or our affiliates are or may be acquired by, merged with, or invested in by another company, or (ii) if any of our assets are or may be transferred to another company, whether as part of a bankruptcy or insolvency proceeding or otherwise, we may transfer the information we have collected about you to the other company. As part of the business transfer process, we may disclose certain of your information to lenders, auditors, and third-party advisors, including attorneys and consultants. In Response to Legal Process. We may disclose your personal information to comply with the law, a judicial proceeding, a court order, or other legal process, such as in response to a court order or a subpoena. To Protect Us and Others. We may disclose your personal information where we believe it is appropriate to do so to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person, violations of our Terms and Conditions, or this Policy, or as evidence in litigation in which we are involved. Aggregate and Deidentified Information. We may disclose aggregate, anonymized, or deidentified information about you for any purpose permitted under applicable law. Consent. We may disclose your personal information with your consent. Our Use of Cookies and Related Technologies When you visit the Site, the Company and third parties may store certain information on your browser, app, or device in the form of a "cookie" or similar file. The Site uses cookies and other technologies to (i) track advertising, (ii) collect traffic data from the Site, and (iii) improve the user experience when using the Site. The user should be aware that, in order to browse the Site, it is not necessary for him or her to allow the installation of cookies sent by the Site. This may only be required in relation to certain services. Most browsers allow you to manage how cookies are set and used as you’re browsing, and to clear cookies and browsing data. Also, your browser may have settings letting you manage cookies on a site-by-site basis. Most mobile devices and applications allow you to manage how similar technologies, such as unique identifiers used to identify an app or device, are set and used. For example, the Advertising ID on Android devices or Apple’s Advertising Identifier can be managed in your device’s settings, while app-specific identifiers may typically be managed in the app’s settings. Cookies. Cookies are small text files containing a string of alphanumeric characters. We may use both session and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to our Site. Please review your browser’s “Help” file to learn the proper way to modify your cookie settings. Please note that if you delete or choose not to accept cookies from the Service, you may not be able to utilize the features of the Service to their fullest potential. To learn more about cookies, visit http://www.allaboutcookies.org . Clear GIFs, pixel tags, and other technologies. Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded invisibly on web and app pages. We may use clear GIFs (a.k.a. web beacons, web bugs, or pixel tags) to among other things, track the activities of site visitors, help us manage content, and compile statistics about Service usage. A clear GIF can collect information such as: the IP address of the computer that downloaded the page on which the tag appears; the URL of the page on which the pixel tag appears; the time the page containing the pixel tag was viewed; the browser type and language; the device type; geographic location; and, the identification number of any cookie on the computer previously placed by that server. We and our third-party business partners may also use clear GIFs in HTML emails to our customers to help us track email response rates, identify when our emails are viewed, and track whether our emails are forwarded. Analytics. We may use Google Analytics and other analytics tools to collect information regarding visitor behavior and visitor demographics on our Site. For more information about Google Analytics, please visit www.google.com/policies/privacy/partners . You can opt out of Google’s collection and processing of data generated by your use of the Services by going to http://tools.google.com/dlpage/gaoptout . Interest-based advertising. We may set tracking tools (e.g., cookies, clear GIFs) provided by third-party advertising partners on our site to collect information regarding your activities on our site (e.g., your IP address, page(s) visited, time of day) for advertising purposes. We may also share such information with third-party advertising partners. These advertising partners may use this information (and similar information collected from other websites) for purposes of delivering targeted advertisements to you when you visit non-Site related websites. This practice is commonly referred to as “interest-based advertising” or “online behavioral advertising.” If you do not want interest-based advertising, you may be able to opt-out by visiting US-based https://thenai.org/opt-out/ and www.aboutads.info/choices/ . Data Security We implement physical, technical, and organizational security measures designed to safeguard personal information. These measures are aimed to protect the personal information we collect from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. Please be aware that despite our efforts, no data security measures can guarantee security. Third-Party Links Our Site may contain links to third-party websites. Any access to and use of such linked websites is not governed by this Policy but is instead governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites, and we encourage you to review the privacy policies of any third-party sites you choose to visit. Children's Privacy At the Company, we recognize the importance of protecting the privacy of children. Our Service is not intended for children or minors under the age of sixteen years. Accordingly, we do not store information from minors under the age of sixteen years. If you believe that a child has submitted personal information to us, please contact us at our Email Address and we will take reasonable steps to delete the information. We do not knowingly “sell” or “share” the personal information of children under the age of 16. Additional Disclosures Under Applicable Laws You may have certain rights regarding our processing of your personal information under applicable local law. If our processing of your personal information is governed by such laws, this section provides you with additional information regarding your rights and our processing of your personal information under applicable local law. We may disclose each of the categories of personal information described above for our business and commercial purposes. We may “sell” or “share” each of the categories of personal information described above for cross-context behavioral advertising (as those terms are defined under applicable local law). We do not disclose your sensitive personal information for purposes other than permitted under applicable local law. Marketing Communications We may send periodic promotional emails to you. You may opt-out of promotional emails by following the opt-out instructions contained in the email. Please note that it may take up to 10 business days for us to process opt-out requests. If you opt-out of receiving promotional emails, we may still send you emails about your account or any services you have requested or received from us. Your Privacy Choices and Rights Depending on the jurisdiction in which you live, you may have the following rights under applicable local law: Right to request access and a copy of your personal information and information relating to how it is processed; Right to request deletion of your personal information; Right to request the correction or update of the personal information we hold about you; Right to opt-out of “sales” of your personal information and “sharing” of your personal information for cross-context behavioral advertising purposes (as these terms are defined under applicable law) Right to opt-out of targeted advertising; Right to limit our use of your sensitive personal information; Right to not be unlawfully discriminated against for exercising your rights. These rights may be limited or denied in some circumstances. For example, we may retain your personal information where required or permitted under applicable law. You may also opt-out of our “sale” or “sharing” of your personal information through privacy preference signals recognized under applicable local law, such as the Global Privacy Control (GPC), but please note that this signal will be linked to your browser only. For more information on the GPC and how to use a browser or browser extension incorporating the GPC signal, see https://globalprivacycontrol.org/ . Verification Process In order to protect your information, we will confirm a requestor’s identity before responding to any request. To start the process, you must provide your name and email. We will ask you at least one question, and you must reply by email with the correct answer for each question based on your previous interaction with us. If we still cannot verify your identity as required by applicable laws, we will let you know and may ask additional questions. Otherwise, we will acknowledge your request and contact you later with our full response. We will only send verification questions from our Email Address. Before sending a verification response, please double-check the email address. If you receive an email that appears to be from us but is not from our verification email address listed above, do not respond. Any information we gather through this process will only be used for consumer verification, security procedures, or fraud prevention. We will delete any verification information as soon as practical after processing your request. Authorized Agents You may designate an authorized agent to exercise your rights under applicable laws on your behalf. Pursuant to applicable laws: You must provide the authorized agent written permission to exercise your rights under applicable laws on your behalf. We may deny a request from an authorized agent on your behalf if the authorized agent does not submit proof that he, she, or it has been authorized by you to act on your behalf if we request such proof, as permitted by applicable laws. Even if you use an authorized agent to exercise your rights under applicable laws on your behalf, pursuant to applicable laws we may still require that you verify your own identity directly to us. Financial Incentives We do not offer financial incentives to collect personal information, and we will not discriminate against you if you exercise any of the rights provided by applicable laws set forth in this Privacy Policy. Please note that a legitimate denial of a request for information, deletion, or to opt-out is not discriminatory, nor is charging a fee for excessive or repetitive consumer requests as permitted by applicable laws. Appeals You may have a right to appeal a decision we make relating to requests to exercise your rights under applicable local law. To appeal a decision, please contact us at our Email Address. Additional California Privacy Rights California Civil Code Section § 1798.83 permits users of our website that are California residents to request certain information regarding our disclosure of personal information to other parties for their direct marketing purposes. To make such a request, please send an email to our Email Address with the subject “Shine the Light Request.” Data Subject Access Requests You have certain data protection rights in certain circumstances. Please contact us if you would like to exercise any of these rights. Withdraw their consent at any time. Users have the right to withdraw consent where they have previously given their consent to the processing of their Personal Data. Object to processing of their Data. Users have the right to object to the processing of their Data if the processing is carried out on a legal basis other than consent. Access their Data. Users have the right to learn if Data is being processed by the Owner, obtain disclosure regarding certain aspects of the processing and obtain a copy of the Data undergoing processing. Verify and seek rectification. Users have the right to verify the accuracy of their Data and ask for it to be updated or corrected. Restrict the processing of their Data. Users have the right to restrict the processing of their Data. In this case, the Owner will not process their Data for any purpose other than storing it. Have their Personal Data deleted or otherwise removed. Users have the right to obtain the erasure of their Data from the Owner. Receive their Data and have it transferred to another controller. Users have the right to receive their Data in a structured, commonly used and machine readable format and, if technically feasible, to have it transmitted to another controller without any hindrance. Lodge a complaint. Users have the right to bring a claim before their competent data protection authority. The deletion of some data shall not be carried out where it may cause damage to the legitimate rights or interests of third parties, or where there is a legal obligation to retain the data. The data owner user may at any time exercise the rights of access, rectification, cancellation, opposition, limitation of processing, portability, confidentiality and deletion of his/her personal data. The exercise of these rights may be carried out by the user him/herself by means of an email addressed to our Email Address, or by any of the methods provided for in the applicable regulations referred to above. The Company may request the data necessary to validate the identification of the data owner. Changes to This Policy This Policy is current as of the Last Updated date set forth above. We may change this Policy from time to time, so please be sure to check back periodically. If we make any changes to this Policy that materially affect our practices with regard to the information we have previously collected about you, we will endeavor to provide you with notice in advance of such change by highlighting the change on the Site. Terms of Service for SMS Communications SMS Terms of Service for SMS Communications SMS Consent Communication: The information Phone Numbers obtained as part of the SMS consent process will not be shared with third parties for marketing purposes. Types of SMS Communications: If you have consented to receive text messages from iBusinessSolutions, you may receive messages related to the following: Customer Case Account Notifications Delivery Notifications Message Frequency: Message frequency may vary depending on the type of communication. For example, you may receive up to 3 SMS messages per week related to your payroll processing and package delivery. Potential Fees for SMS Messaging: Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally. Opt-In Method: You may opt-in to receive SMS messages from iBusinessSolutions in the following ways: Submitting an online form Email message Verbally, during a conversation Opt-Out Method: You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list. Help: If you are experiencing any issues, you can reply with the keyword HELP. Or you can get help directly from us via email at payroll@ibusinesssolutions.com . Standard Messaging Disclosures: Message and data rates may apply. You can opt out at any time by texting "STOP." For assistance, text "HELP" or visit our [Privacy Policy] and [Terms and Conditions] pages. Message frequency may vary. Contact Us If you have any questions, comments, concerns, or complaints regarding your personal information or our privacy practices, please contact us at our Email Address.

Simplify workers comp insurance in Florida with expert support from iBusinessSolutions. Enjoy pay-as-you-go plans, no large down payments, and expert audit support. Simplify Workers’ Compensation in Florida with Pay-As-You-Owe Coverage Choosing the Right Workers’ Comp Policy can give you predictable cash flow. Most states require businesses to carry Workers' compensation insurance and requirements can vary based on factors such as location, industry, and number of employees. In Florida, eligibility is based on employee count, and workers’ compensation rates are set by the state. Because rates are regulated, the real difference from one agency to the next is the expertise, service, and support they provide. With over twenty years of nationwide experience, we specialize in making workers’ compensation simple and stress-free. We take the burden off your shoulders by actively managing your policy and helping you avoid costly mistakes. Our Pay-As-You-Owe payment plan eliminates large down payments, improves cash flow, and aligns your premiums with actual payroll, which frees up capital you can reinvest in growing your business. We go beyond placing a policy. Our team assists with inspections, audits, class code verification, compliance guidance, and other critical details that can significantly impact your costs and exposure. No matter where you operate, we provide the hands-on support and expert advice businesses need to stay compliant, control expenses, and focus on what matters most running their business. REQUEST A FREE QUOTE Understanding PAY-AS-YOU-OWE, or PAYO Are you tired of paying installments based on estimated payroll amounts? Are you tired of taking time out of your busy schedule to remit payment? Not only is it time-consuming, but an installment pay-plan can often lead to an unexpected audit balance. Since the premium for a Work Comp policy is based off the estimated annual premium for the following year, it can be challenging to track. There may be natural rises and falls in your payroll throughout the year, which has a direct impact on the premium paid to the policy. With PAYO, the premium is based on the specific amount of payroll for each check date. This prevents inaccurate premium payments, which often leads to unpleasant audit results. Although comp audits rarely result in a zero balance, the PAYO payment plan allows for significantly more accurate audit results. Our PAYO program allows you to reap the benefits of your comp policy without the stress and loss of time. To find out more, please reach out to our Work Comp department for more details. Multiple Carriers & Plan Arrangements We have access to many A-Rated insurance carriers who offer safety resources, dividend plans, deductible options, and several types of rating plans. Whether it’s a guaranteed cost, or a retro program, we have specific plans to meet your needs. 20 Years of Experience in Florida Workers’ Compensation Drug-Free Workplace Programs Workplace Safety Programs Return to Work Programs Claims Analysis Trying to control your claims experience can leave you feeling powerless. We can help! Our tools and resources help us respond to, track, and manage losses as they occur. We can also analyze your aggregate loss history to determine where significant losses are occurring and develop strategies to mitigate them. Premium Audits Premium Audits occur annually for Workers’ Compensation, approximately 30-60 after the policy renews. We understand that it can be stressful, and we are here to help! Our team is able to provide you with the majority of the necessary paperwork to complete your audit. We are here to support you through the process by corresponding with the carrier on your behalf and answering any questions you may have. After the audit is completed, we’re happy to review the results with you for better understanding. Are you 100% certain that your experience modification factor is correct? Has your agent ever showed you how much each individual claim is affecting your experience mod? We have the expertise to verify the accuracy of your experience mod. In addition, we will pinpoint how much each individual claim is costing you and provide you solutions for reducing them. Find out why iBusinessSolutions is #1 in Sarasota for Payroll, Human Capital Management, Timekeeping, Workers Comp, and Health Insurance. Learn More

Have questions or need support? Contact iBusinessSolutions for trusted HR and payroll software solutions tailored to your business needs. Contact US for Payroll, Benefits & Workers’ Comp Inquiries iBusinessSolutions has been supporting our community and customers since 2008 and will always be there to lend a hand. Contact us today! iBusinessSolutions, Inc. 7020 Professional Parkway E Suite #100 Sarasota, FL 34240 Main Line : (941) 487-7275 Enterprise Line: (941) 487-4099 Payroll Fax: (941) 340-3592 Benefits Fax: (941) 259-1730 Work Comp Fax: (941) 340-3617

Group health insurance plans that support your team and keep your business compliant. Expert service available nationwide. Get your quote today! Customized Group Health Plans for Your Business Needs Comprehensive Health Insurance Solutions for Your Employees At iBusinessSolutions, we specialize in designing Group Health Benefit Plans tailored for businesses with 4 or more employees nationwide Our expert team creates affordable, compliant, and comprehensive medical packages that help you attract and retain top talent while simplifying benefits administration. Let us handle the complexities of health insurance compliance so you can focus on growing your business. Contact Us Today Carriers We Work With To play, press and hold the enter key. To stop, release the enter key. Why Choose Group Health Benefit Plans with iBusinessSolutions? As your business grows, offering competitive employee benefits becomes essential. Our group health plans provide: Cost-Effective Coverage: Affordable rates for businesses of all sizes, potentially saving you thousands annually. Compliance Expertise: Navigate ACA, COBRA, and Section 125 requirements with confidence, avoiding costly penalties. Customized Solutions: Tailored plans (PPO, HMO, HSA, HRA, and level-funded options) to meet your workforce’s needs. Employee Satisfaction: Boost retention with comprehensive medical, dental, life, and disability plans that show you value your team. Local Support: As a Sarasota-based partner, we understand the unique needs of Southwest Florida businesses but also provide solutions nationwide. Our Group Health Benefit Offerings We provide a full suite of employee benefit plans to suit any industry, ensuring your business stays competitive and compliant. Group Medical Insurance: Comprehensive plans including PPO, HMO, HSA, plus level-funded solutions for cost control. Group Dental Plans: Affordable dental coverage to complement your medical benefits package. Group Life Insurance: Offer your employees peace of mind with customizable life insurance plans. Short-Term and Long-Term Disability: Protect your workforce with income replacement options for unexpected health challenges. Supplemental Plans: Enhance your benefits with supplemental insurance products. Section 125 Plans: Save on taxes and increase employee take-home pay with pre-tax benefit options. Group Insurance Quote Simplify Compliance and Benefits Administration Navigating the complexities of employee benefits can be overwhelming, especially as your business scales. iBusinessSolutions takes the stress out of compliance by: HSA Plans Ensuring adherence to ACA regulations, COBRA requirements, and other federal mandates. Providing Certificates of Insurance to verify coverage for your records. Offering expert guidance on Section 125 plans to maximize tax savings for you and your employees. Streamlining benefits enrollment and administration with user-friendly tools and personalized support. With iBusinessSolutions, you’ll have a trusted partner to manage your group health benefits, so you can focus on what matters most—running your business. Contact us today to explore how our group health plans can save you money and enhance your employee benefits package. Group Health Quote Individual Medical Insurance Integrated Payroll and HR Solutions In addition to group health benefits, iBusinessSolutions offers simplified payroll services and human capital management tools to streamline your operations. Our online payroll software eliminates the need for in-house accounting expertise, while our timekeeping and workers’ compensation solutions help you manage costs effectively. Learn More About Our Payroll Services Request a Workers’ Compensation Quote Why iBusinessSolutions is Your Trusted Benefits Partner As the #1 choice for payroll, human capital management, and group health benefits, iBusinessSolutions is committed to helping local & national businesses thrive. Our deep understanding of the business landscape, combined with our expertise in compliance and benefits administration, makes us the ideal partner for your growing company. Transparency in Coverage The Transparency in Coverage final rules require non-grandfathered group health plans and health insurance issuers offering non-grandfathered coverage in the group and individual markets to disclose on a public website information regarding: In-network negotiated rates for covered items and services Out-of-network allowed amounts and billed charges for covered items and services As of July 1, 2022, these machine-readable files (MRFs) must be made “publicly available and accessible to any person free of charge and without conditions, such as establishment of a user account, password, or other credentials, or submission of personally identifiable information (PII) to access the file” and must be updated on a monthly basis. The website where these MRFs will be housed is: Important notes about these files: These files are extremely large (minimum file size is 20 GB) and are designed to allow researchers, regulators, and application developers with data related to payment rates for health care services. Due to the size of these files, an individual’s ability to view or download these files will be dependent on their hardware, browser, and internet speed. The data on these files does not reflect the application of benefits or cost-sharing (deductibles, copayments, coinsurance) for a specific health plan. Each MRF uses a standard data format and schema (JSON) defined by federal agencies. For fully insured groups, there will be one MRF per plan network (BlueOptions, BlueCare, etc.). For self-insured groups, there will be one MRF per plan network (BlueOptions, BlueCare, etc.) per group employee identification number (EIN). Users should contact their employer directly to obtain their EIN. All MRFs will only include rates for benefits that Florida Blue or Truli for Health administers – rates for benefits that are “carved out” to other vendors (i.e., pharmacy) will have to be obtained from that vendor. Fully Insured Level Funded Find out why iBusinessSolutions is your #1 choice for Payroll, Human Capital Management, Timekeeping, Workers Comp, and Group Health Benefits. Learn More

Discover how iBusinessSolutions turns administrative mountains into molehills. From iSolved HCM technology to personalized Workers’ Comp and Benefits, we support SMBs nationwide with integrity and expert care. Simplify Your Back Office and Get Back to Doing What You Do Best. Compare Payroll Providers. For Your Free Demo Call (941) 487-7275 Comprehensive Payroll, Benefits, and Insurance Solutions Tailored for Your Growth. At iBusinessSolutions, we believe your focus should be on your craft, your team, and your community—not on the complexities of administration. We combine best-in-class technology with a people-centric approach to simplify your back office and protect your most valuable asset: your people. Schedule A Demo WHO WE ARE Nationwide Reach with a Local Florida Gulf Coast Heart For nearly 17 years, iBusinessSolutions has served as a family and Christian-owned leader in the HCM and insurance industry. While our roots are in the Florida Gulf Coast, we are proud to support business owners in 48 states across the country. We aren't just a vendor; we are an extension of your team. Founded on core values of Simplicity, Compassion, and Community, we invest $250,000 annually back into the communities we serve. Our mission is to keep you in compliance and "in the know," so you can lead with peace of mind. Back-Office Solutions: Payroll, Benefits & Risk Management Cloud-Based Payroll & HR Powered by the iSolved People Cloud, our unified platform eliminates the need for multiple tools and manual data entry. Real-Time Processing: View previews and handle tax filings with ease. Simplified Onboarding: Make a great first impression with digital onboarding for every new hire. Workforce Management: Integrated time tracking, scheduling, and custom PTO policies tailored to your management levels. Multi-State Support: Certified payroll reports and garnishment processing across nearly every state Learn More Expert Benefits Administration Attract and retain key personnel with a benefits package that is easy to manage and easy for employees to love. Full-Service Management: We handle everything from eligibility and QLEs to carrier communication. Invoice Reconciliation: We "police" your monthly invoices to ensure you are never overcharged by carriers. Employee Self-Service: Mobile-friendly open enrollment and life-event management. Compliance Peace of Mind: We manage COBRA, ACA reporting (1094/1095), and ERISA wrap documents so you don't have to. Learn More Smart Workers’ Comp & Risk Management Stop overpaying for insurance. We align your coverage with your actual business needs to protect your cash flow. Pay-As-You-Owe: Eliminate large down payments and surprise year-end audits by tying premiums directly to your actual payroll. Expert Classification: We verify class codes to ensure you are paying the correct premium for your specific industry. Audit Support: When it's time for an audit, we supply all records and payment trails for you. Carrier Advocacy: We shop your policy annually and fight for "safety rewards" or dividends to put capital back into your business. Learn More Why Businesses Choose Us Over the "Giants" Unlike faceless call centers, we know our clients by name. We offer: Transparent Pricing You only pay for what you use—no hidden fees, no forced bundles, and no charges for custom reports Free Training When you have staff turnover, we are always available to train your new team members at no extra cost. Scalability Whether you have five employees or five hundred, our platform grows with you. Community Integration Our platform even allows your employees to give directly to non-profits worldwide through our integrated giving tool. Experience iSolved: Industry-Leading HCM Software iSolved is more than just payroll—it is a comprehensive Human Capital Management suite. See how it streamlines talent acquisition, expense management, and performance reviews in one single sign-on experience. Get a FREE Quote Ready to make your administrative mountains disappear? Contact us today for a free, no-obligation demo and quote. See for yourself why business owners are switching from the "big-box" providers to a partner who truly cares. Learn more

Simplify enrollment, deductions & carrier updates with iSolved’s all-in-one benefits platform. Access anywhere. Schedule a demo with iBusinessSolutions today. Smart, Simple Benefits Administration Manage Your Workforce Benefits From Any Device Demo Our HRIS Platform Call (941) 487-7275 Benefits Administration Demo Offer big-company benefits no matter your company size. Give your employees access to comprehensive, competitive benefit packages while staying on budget. Our dedicated benefits team advocates on your behalf to secure the right coverage at the best value. Simplify benefits administration with streamlined workflows that manage enrollment, payroll deductions, and life events in one integrated system. Carrier connections ensure employee changes are communicated accurately and on time, reducing errors and compliance risk. Stay compliant, save time, and empower your employees with self-service tools, so you can focus on growing your business, not managing benefits. Advance Data Analytics for Cost Control As a National Broker we customize every client’s benefit offering with a focus on: Benchmarking data and healthcare cost projections Robust product offering and knowledge Customized Strategies for budgeting and cost containment Integrated Technology and HRIS platforms Seamless enrollment systems and integration directly with carriers and payroll. We offer different platforms based on the needs of the company. We also offer a self-help Knowledge center to assist you and your employees 24/7 Year-Round Compliance Management We take a proactive approach to review state and federal laws. You are assigned a dedicated Account Manager to review: ACA Testing Section 125 ERISA Cobra 1095 filings 5500 forms Remote / out of state employee requirements, as well as Employer and Employee Advocacy direct to carriers Advocacy for all We act as an extension to your HR Department, offering HRIS platforms to meet both large and small employer needs. Supportive services: Locate a provider, ID card assistance, Employee Assistance Programs, Mental Health Education and Awareness, and Continued education. Contact Us Today Carriers We Work With To play, press and hold the enter key. To stop, release the enter key. 67% of employees acknowledge that the open enrollment process is stressful. See how we can help you provide a better experience. Schedule a demo

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iBusinessSolutions makes insurance compliance easy—manage your certificates of insurance online, reduce liability, and simplify vendor risk management. Sign up now! Take Control of Your Insurance Certificates — Fast, Easy, Online What is a Certificate of Insurance (COI)? A COI is an official document that acts as proof that a business has active insurance coverage. It provides an overview of the policy, including key details such as coverage types, limits, and dates. A COI is required when a business is hired as a subcontractor by another business. It can offer assurance and establish trust, especially in business dealings like hiring subcontractors. If a subcontractor does not have a COI showing their own Work Comp coverage, the insured will be responsible for the subcontractor’s Work Comp coverage. What is a Waiver of Subrogation (WOS)? A WOS is a contractual agreement which forfeits the right to pursue an at-fault party for a Workers’ Compensation claim. If a claim occurs regarding a subcontractor on a job, and they do not have their own coverage, the company who hired them is responsible for the damages. The company could choose to subrogate the loss by seeking damages from a third party. However, with a Waiver of Subrogation, the right to subrogate is relinquished. A WOS can be endorsed onto a policy for an additional fee. The business can choose either a Blanket Waiver, which can be used for many, or a Specific Waiver which has one specific business listed. Why You Need a Certificate of Insurance 3. Reduces liability. By carefully documenting certificates of insurance from all third-party vendors, you're setting yourself up nicely for transferring loss to that party's insurer in the event that something goes wrong. 4. Protects you when outsourcing. Contingent work comes with a unique set of insurance hazards. Performing due diligence and checking each vendor's policy against your requirements could profect you from incidents that could lead to costly litigation and effect the profitability of your ventures. 1. Proves your insurance status. The COI is a summary of an insurance policy. It effectively serves as proof of insurance, without the bulk of the policy itself. 2. Provides quick access to information. A COI constitutes an express version of an insurance policy. This convenience could save you dozens of hours of work each year. Certificates of Insurance Requests Made Simple If you need a COI, Current iBusinessSolutions' Work Comp clients can process their own certificates in a few easy steps! Step 1: Contact iBusinessSolutions to set up your account Create an email to: COI@iBusinessSolutions.com Allow 48 Hours to process this request. Once complete, you will receive confirmation with a provided password. Be sure to save this password so that way it is not lost. Step 2: Prepare your COI at NowCerts.com Visit NowCerts.com to begin processing certificates: NowCerts Login Enter the email address and password provided in the confirmation email If password is lost you can request that it be e-mailed to you after supplying the appropriate email address. Insert Proper Certificate Holder Information (Name and Address) Click Continue Completed Certificate will populate automatically. Set Me Up for Self Service COI's Find out why iBusinessSolutions is #1 in Sarasota for Payroll, Human Capital Management, Timekeeping, Workers Comp, and Health Insurance. Get In Touch