Employee Benefits

We also offer these employee benefit programs to help you attract and retain top-quality talent:


DG&M’s Personal Insurance Plus is a program tailored especially for the unique needs of small- to medium-sized businesses. The program is designed to allow smaller businesses the opportunity to offer their employees the same money-saving benefits typically available only to employees of much larger companies. Discounts on auto and home insurance coupled with the convenience of payroll deduction are popular employee perks. Personal Insurance Plus makes these benefits available to employees of smaller companies, too.

Personal Insurance Plus lets you establish stronger relationships with your employees by helping you provide them with a benefit that saves them money. It’s also a great way to attract and retain top-quality employees. There’s no financial contribution on the part of the employer, and we do all the enrolling. Personal Plus Insurance also offers a one-way hold harmless agreement for employer peace of mind.

Your employee will be able to enjoy discounts on home and car insurance rates with no down payments and no installment service fees. And, coverage is available for all family members so they can save even more.


At DG&M we offer HMO and High Deductible programs from Excellus, MVP, Aetna, CIGNA and many more of the leading health care providers.


At DG&M, we offer a wide range of life insurance benefits, including employer-paid contributory and employee-paid voluntary options.  We also provide universal, key person, variable life and buy-sell agreements to provide business owners with the security they need to feel confident about their company’s future.


Our agents remain abreast of changes in disability coverage so you can rest assured you have the coverage you need. We offer short-term and long-term disability products, as well as New York State Disability and long-term care insurance.


As part of a comprehensive plan of insurance options, dental insurance is valued by employees who know that this type of coverage can offer substantial savings for them.

We’re ready to discuss your unique insurance needs. Contact Dale Trott by calling (585) 271-3040 (X111) or toll-free 1-888-385-4863 or email Dale directly at dtrott@dgmagency.com today or fill out our online contact form today and let us conduct a no-obligation review of your needs.