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Small Business Service Bureau, Inc. Disclosure Statement

Small Business Service Bureau, Inc. (SBSB) is an affiliate of Carroll Enterprises, Inc., a privately held corporation which provides products and services through its wholly-owned subsidiaries: the Small Business Insurance Agency, Inc. (SBIA),, Sterlingbridge, Group Health & Benefit Administrators, Inc. (GHBA), and Direct Response Marketing, Inc. (DRM). This disclosure statement is intended for all users of SBSB.

Insurance Marketplace

SBSB insurance program availability varies by state. Discounts are not available for insurance products. Insurance is regulated by each state. Not all products are offered in all areas. Membership in SBSB is not required to purchase insurance, nor does it mean automatic approval for insurance or services. SBSB insurance products and programs are offered through its affiliate, Small Business Insurance Agency, Inc. (SBIA), a national general insurance agency licensed in all 50 states.

Massachusetts Residents

SBSB Members in Massachusetts can choose from the following health insurance providers:

Harvard Pilgrim Health Care
Tufts Health Plan
Fallon Community Health Plan
Health New England
Neighborhood Health Plan
United Health Plan
Delta Dental

All health insurance plans that SBSB, and its affiliate SBIA, offers meets the Massachusetts Minimum Creditable Coverage (MCC) requirements effective for Massachusetts residents as of 1/1/2009, as a result of an amendment to the MA Health Care Reform legislation of 2006.

Small Business Knowledge Center

The expertly written resources in the Small Business Knowledge Center are available to SBSB members only. The materials provided are for informational and educational purposes for members, and are not intended to be legal advice or a legal opinion, which can only be given on specific facts.

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