Group Health Insurance & Employee Benefits for Virginia Beach Businesses
Customizable Employee Benefits Packages in Virginia Beach and Across the State
Your people are your competitive advantage. In a tight labor market, a strong benefits package isn't a perk — it's a baseline expectation. Health insurance consistently ranks as one of the top factors employees consider when evaluating a job offer or deciding whether to stay.
The challenge for most small and mid-size businesses isn't interest — it's complexity. Navigating carriers, comparing plan types, managing compliance, and communicating options to employees requires expertise most business owners don't have time to develop. As independent brokers, we work on your behalf — not the insurance company's — to find the right mix of coverage at pricing that works for your budget.
We work with Virginia Beach businesses at every stage, from companies building their first benefits package to established employers looking for more competitive coverage or better administration tools. Whatever your situation, we meet you where you are.
Who We Serve
Whether you're offering benefits for the first time or you've had a plan in place for years, we work with businesses across every stage of growth — typically teams of 15 to 100 employees, though we're happy to talk with smaller teams building their first package too.
That includes companies rolling out benefits for the first time, businesses that have outgrown their current broker or plan, and employers who inherited a benefits package they don't fully understand and want a second opinion on. Some of our clients are for-profit businesses; others are nonprofits and mission-driven organizations balancing tight budgets with the need to compete for talent. Wherever you're starting from, we meet you there.
It is without hesitation that we at the Virginia Museum of Contemporary Art recommend Chelsea Jennings with Full Circle Insurance Solutions, Inc. Chelsea has provided us with very detailed quotes and options to fit our specific needs. She has been extremely helpful throughout the policy year answering our employees’ questions and concerns. Professional and knowledgeable, Chelsea has been and continues to be a pleasure to work with. We consider Chelsea a valuable partner in the Museum’s continued growth.
C. J.
Director of Finance & Operations for a local Non-Profit
Coverage that Grows with You
Employee benefits isn't just group health insurance. Depending on where your business is and what your team needs, we help you build out:
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Group health insurance (medical, dental, vision)
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Ancillary and voluntary benefits like disability and life insurance
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Key man insurance, to protect your business if a critical person is unexpectedly unable to work
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Executive bonus plans and other benefits designed for leadership retention
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Referrals for group retirement plans
You don't need all of it on day one. Most businesses start with core medical coverage and add pieces as they grow — we'll tell you honestly what makes sense now versus what can wait.
We Cut Through the Complexity
Comparing carriers. Understanding plan types — HMO, PPO, high-deductible plans paired with an HSA. Making sure your plan meets compliance requirements. Explaining all of it to employees in a way that actually makes sense to them. That's a lot to manage on top of running a business, and most owners and HR teams simply don't have the bandwidth to become insurance experts too.
As independent brokers, we work for you — not for any single insurance carrier. That means our recommendations are based on what's actually the right fit for your team and your budget, not which plan pays us the highest commission. We do the comparison shopping, handle the paperwork, and translate the fine print into a clear recommendation you can act on.
From day one, the customer service we have received from Chelsea Jennings has been exceptional. She navigates the benefits marketplace for us with ease and effectively communicates with our entire team so important decisions can be confidently made. She goes above and beyond to help each client and their employees find the best benefits package for their situation. We are so happy she is part of our team.
L. B.
Chief Financial Officer
Open Enrollment and Renewals, Handled
Open enrollment shouldn't be the most stressful week of your year. We manage the full renewal process — reviewing your current plan against what else is available, flagging where your rates or coverage are changing, and building an employee communication plan so your team actually understands their options instead of just picking whatever they had last year.
As your business grows or your needs change, we revisit your coverage with you — not just once a year, but whenever something shifts, whether that's adding a location, hitting a new headcount, or adding benefits like dental, vision, or disability coverage for the first time.
Chelsea is a jewel to work with. I began working with her back in 2019 as I had taken over the HR Department at my company. She is a wealth of knowledge when it comes to insurance. We have gone through 2 open enrollments and they have both been a pretty seamless process. Her customer service is impeccable and she constantly reassures me that she is here for me and our employees and to just let her do the work. Anytime I have a question or an issue, her response is immediate and issues are 100% resolved. She is a woman of her word and takes her job very seriously. I am pleased to be working with Chelsea and Mary at Full Circle Insurance. I hope Phoenix Group of Virginia, Inc. will be customers for a long time!
A. B.
Director of Administration/HR/Accounting
Common Questions from Virginia Beach Business Owners
I am a business owner looking to offer an employee benefits package to my employees but don’t know how or where to start.
Setting up an employee benefits package for the first time is more straightforward than most business owners expect — Full Circle handles the heavy lifting from plan selection through enrollment. We specialize in assisting businesses like yours in crafting employee benefits packages. Our approach is deeply rooted in gaining an understanding of your unique company culture to ensure the benefits we recommend are a perfect fit for your dedicated team. From suitable proposals to custom strategies and expert advice, we're committed to making your employee benefit journey seamless and informed, especially for your employee population.
I’ve got a diverse workforce including full-time, part-time and seasonal employees, and contractors and they are located in different parts of the country. How can I still offer a comprehensive package?
Most insurance plans can accommodate employees regardless of location or classification — Full Circle can recommend a mix of plans that works across your full workforce, from full-time staff to part-time and remote contractors. Most insurance plans can accommodate your employees' needs, no matter where they are located. While the benefits offered may vary depending on employee classification, Full Circle can recommend a range of plans and features that every employee can take advantage of.
I’ve heard the term “Employee Benefits” thrown around by my fellow business community. What exactly is an Employee Benefits package and what types of coverages can I offer my employees?
An employee benefits package typically consists of a combination of group health, dental, vision, life, and disability insurance policies. Supplemental benefits such as Aflac, Legal Shield, Flexible Spending Accounts, and Pet Insurance can further enhance your benefit offering without requiring an employer premium contribution. To round out a competitive and robust benefit package, many employers implement a group retirement plan, such as a 401k, 403B, or Simple IRA. To explore each option further click here. No matter how you design it, benefit packages can be an invaluable investment to a company as it is the catalyst for attracting and retaining top talent while complimenting a company’s culture.
My company currently has a benefits package in place, but want to explore more competitive coverage and pricing and introduce benefit administration technology!
If your current plan hasn't been marketed to competing carriers at renewal, there's a good chance you're leaving cost savings on the table. Full Circle can work to market your plans, secure the most competitive pricing without compromising coverage, and streamline benefit administration through various communication and enrollment strategies.
My company offers an employee benefits package, but our employees aren’t very educated on their options or how to decide what plan is best for them due to a lack of communication materials.
Poor benefits communication is one of the most common — and most fixable — problems in employee benefits administration. Full Circle offers face-to-face sessions with our insurance experts, customized materials, and electronic or telephonic enrollment options, ensuring employees are well-informed and can make better choices for themselves and their families.
I’ve heard there are many compliance requirements to offering an employee benefits package. How do I stay in compliance?
Compliance requirements vary by company size, location, and benefit type — but businesses of almost any size face obligations under ERISA, IRS, and DOL regulations, and the penalties for non-compliance can be significant. By collaborating with a team of experts dedicated to being well-versed in ERISA, IRS, FMLA, and DOL laws, while staying up to date on additional state and federal regulations, you can administer a successful benefits program. Full Circle is here to help you and your company maintain compliance with ease.
Would a company-sponsored wellness program make sense for my organization? Can we incentivize employees to take part?
A wellness program is an effective way to engage employees in their health and foster accountability. You can introduce and manage such a program in various ways, offering premium incentives for participation. Full Circle equips employers with the resources to establish a successful wellness program while ensuring compliance with state and federal regulations.
Is offering supplemental benefits a way to enhance our employee benefits package?
Supplemental benefits are one of the most cost-effective ways to strengthen your package — and most can be added without any employer premium contribution. Supplemental benefits play a crucial role in rounding out your offerings, making your benefits more attractive and effective in retaining top talent.
Chelsea is very diversely talented and knowledgeable. She helped us find coverage that our employees would love while keeping our costs down. She held my hand every step of the way through a very busy open enrollment period. She worked so hard through the whole process and was professional, responsive, and available. She was just amazing. With Chelsea, there is a personal touch that you simply don’t get with big companies. It’s like she is one of us. She is an extension of our team and fights for what is best for us.
Jo Ann Short
The Planning Council
Contact Full Circle today to implement your Employee Benefits Package!
Call Us: 757-799-3234
Office Fax: 757-917-5676
Email: Contactus@FullCircleFin.com
Mailing Address:
582 Lynnhaven Parkway STE 100
Virginia Beach, VA 23452
Our office building is easily accessible
via the Lynnhaven Commons entrance on Viking Drive