Independent employee benefits guidance
Benefits for your people.
A plan for your business.
Taking care of your team starts with benefits that fit. Spice Insurance Services helps you compare coverage, weigh costs, and build a package your employees can understand. We support you from the first conversation through enrollment and beyond.
YOUR TEAM. YOUR PRIORITIES.
Professional Guidance where you are.
Coverage for your team
Build a benefits package
that works for your business.
Your budget, your employees, and your existing coverage all shape the right approach. Start with the essentials, then consider additional benefits that make sense for your team.
Group Health
Make health coverage an informed decision.
Compare medical plan options with a clear understanding of coverage features and costs. We help you work through the details and consider what each option means for your business and employees.
Explore Group HealthCompare available plans
Review coverage and cost considerations
Get help with enrollment
Kelleah & Steve Speichinger Photography by Monarch Studios
A personal approach to insurance
Experienced advice.
People you can talk to.
Insurance comes with questions. You should have someone who takes the time to answer them.
Steve and Kelleah Speichinger bring experience in employee benefits, business ownership, and education to Spice. That combination shapes how we work: listen first, explain the details, and help you make decisions with a clear understanding of your choices.
Based in St. Augustine, we offer the personal attention of a small agency with access to options from multiple insurance carriers.
Personal insurance solutions
Coverage for the life
you’re planning.
Your insurance needs extend beyond the workplace. Talk with us about individual and family coverage, annuity options, or protection for a key person in your business.
Key Person Life Insurance
Consider the people your business relies on.
The loss of a key employee or owner can affect a business. Talk with us about key person life insurance and whether it belongs in your planning.
Explore Key Person Life InsuranceIdentify people essential to your operations
Discuss potential costs and business needs
Review coverage options and policy terms
How we work with you
From understanding your needs
to supporting your team.
Start with your business
Tell us about your employees, budget, and current benefits. We’ll discuss what is working, what you want to improve, and what matters most as you plan ahead.
Compare and understand
We review available options and explain the differences. Together, we consider coverage, costs, and how the benefits fit your priorities.
Enroll and stay supported
Once you choose your benefits, we help with enrollment and employee education. Our relationship continues as questions come up and your needs change.
Existing client support
Need help with your current coverage?
Start a service request or contact our team with a question about your policy.
Report a claim
Let us know about a claim and request help with the next steps.
Start a Claim Request
Review your coverage
Ask us to review your policy as your circumstances change.
Request a Policy Review
Request a policy change
Send us the details of the change you would like to make.
Request a Policy Change
Can you review the benefits we already offer?
Yes. We can discuss your existing package, your priorities, and any concerns you want to address. A review is a useful starting point even if you are not sure what you want to change.
What does working with an independent agency mean?
We work for you, not a specific insurance carrier, giving you options to compare. Our role is to explain those choices and help you assess them against your needs.
Can you help employees understand their benefits?
Yes. Employee education and enrollment support are part of our approach. We help your team understand the available benefits so they can make informed choices.
What should we have ready for our first conversation?
An overview of your business, current benefits, and goals is a helpful start. Bring your questions too. We’ll explain what other information is needed as we go.
Let’s talk about your benefits
What would you like
your benefits to do better?
Whether you’re introducing benefits or reviewing an existing package, start with a conversation about your team, your budget, and your goals.