Individual and Small Business Services
Carroll Enterprises, Inc. provides individuals and small business owners with a
variety of programs, products, and services through its wholly-owned subsidiaries:
the Small Business Service Bureau, Inc., the Small Business Insurance Agency, Inc.,
and Pivot.com.
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Small Business Services
Small Business Service Bureau, Inc.
(SBSB) is a national small business membership organization serving 50,000 small
business owners, entrepreneurs, and individuals who own and operate every kind of
business and trade.
Entrepreneur Francis R. Carroll, of Worcester, Massachusetts, founded SBSB in 1967.
Very small businesses were asking for assistance to help further their business
growth and development through an organization focused specifically on their unique
business needs, and SBSB answered.
- SBSB and its members provide legislative advocacy on the
state and national level. Plus, SBSB works to get a jump on legislation and regulations
that could affect the bottom line of small businesses.
- SBSB furthers the development and growth of its small business
members through wide-ranging benefits and services, which include access to money-saving
discounts.
- SBSB helps small business owners increase their profit and
grow their business with comprehensive small business resources, which includes
the SBSB Profit Plus Book Series. These eight expertly written titles cover such
topics as: establishing profitable pricing, how to start a new business, how to
write a business plan, and more.
- SBSB provides small group purchasing of health insurance,
dental, disability, and life insurance.
SBSB strives to provide its members with small business services that provide the
same benefits that big business have.
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Insurance Advisory Services
Carroll Enterprises provides individuals and small business owners with access to
licensed professionals who will work with them to address their complex and unique
insurance needs.
Small Business Service Bureau, Inc. (SBSB) provides affordable insurance coverage
for businesses, individuals, and families. SBSB guides members through the complexities
of today's insurance marketplace, and empowers members to find the best plan, at
the best price, for their small business, their employees, and their families.
Through www.sbsbhealth.com,
SBSB members can access current information about their insurance. Using a secure
log in, members can look up account balances, view individual statements, check
on the status of payments, review employee and dependent coverage, and much more.
Additionally, SBSB serves as the sub-connector for Massachusetts' Commonwealth Health
Insurance Connector Authority. Through this strategic partnership, SBSB helps Massachusetts
residents purchase health insurance coverage.
The Small Business Insurance Agency,
Inc. (SBIA) is a national general insurance and brokerage agency licensed
to market insurance in 50 states.
SBIA allows benefits and HR plan administrator's access to carriers and plan documents,
comprehensive compliance, industry news, and wellness content, as well as regulatory
and best practice content that is updated weekly, through its secure web portal,
Client Connect. Plus, employees can have 24/7 access to
plan information, wellness content, handbooks, and decision-making tools
At SBIA licensed professionals will work with you to design the right program for
you, your employees, and your budget—with access to a wide range of insurance
products and services, including:
- Health Insurance
- Dental Insurance
- Disability Income Protection
- Vision Care
- Section 125 Plans
- 401(K) Plans
- Health Savings Accounts (HSA)
- Health Reimbursement Arrangements (HRA)
- Long Term Care Insurance
- Term Life Insurance
- Permanent Life Insurance
- Retirement Planning Services
- Estate Planning Services
- Business Insurance
- Homeowners Insurance
- Automobile Insurance
- Human Resource Services
- Payroll Services
- C.O.B.R.A. Administration
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Online Insurance Sales
At pivot.com consumers are provided
a convenient online shopping experience, allowing them to compare insurance quotes
online from a number of different carriers in just minutes. In cooperation with
our insurance partners, our quotes allow consumers to select coverage amounts and
terms from these premier carriers. Pivot.com is an online insurance superstore,
offering coverage from a choice of quality top-rated insurance carriers (AM Best
A+ or better).
There are several factors to investigate and understand before buying an insurance
policy that fits your family's needs. Before you buy, take a few moments to review
these helpful documents, designed to assist in the buying process.
- Understanding Life Insurance Products (PDF)
- Frequently Asked Questions: Term Life Insurance Application
Process (PDF)
- Term Life Insurance Glossary (PDF)
- Understanding Long Term Care Insurance (PDF)
- Long-Term Care Glossary (PDF)
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