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 Health

Compare available plans

Review coverage and cost considerations

Get help with enrollment

Kelleah and Steve Speichinger of Spice Insurance Services

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.

Meet Steve & Kelleah

GOOGLE REVIEWS

What our clients say.

5.0 out of 5 on Google

    
 
 
       Posted on Google  
   
   Carlos Granados 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kelleah was very helpful in reviewing our business case and provided valuable feedback on our path forward. Thanks!
  
 
      Posted on Google  
   
   Rebecca Houpe 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kelleah and her team are very helpful and informative with getting our office enrolled in health insurance. We are all so thankful
  
 
      Posted on Google  
   
   Bryan Gray 
 
 
 
 Trustindex verifies that the original source of the review is Google. very helpful with any questions or concerns.
  
 
      Posted on Google  
   
   Brittany Lee 
 
 
 
 Trustindex verifies that the original source of the review is Google. We use Spice Insurance Services for our team at The Master's Lawn & Pest, and Kelleah has been phenomenal to work with. Navigating employee benefits and insurance can be a headache for a growing business, but Kelleah completely takes the stress out of it. She is knowledgeable, responsive, and always finds the best solutions for our team. It’s so reassuring to have an insurance partner who treats our business like their own. Five stars!
  
 
      Posted on Google  
   
   Deanna Bono 
 
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend Kelleah to any business owner looking for reliable coverage and outstanding service. She explained my options clearly and helped me find a policy that provided the right protection without unnecessary costs. She was professional, responsive, and her knowledge made the entire process simple and stress-free.
  
 
      Posted on Google  
   
   Cassandra Thompson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Kelleah at Spice Insurance for my business has been such an easy experience. She is quick to respond and extremely helpful when I have questions. I highly recommend this company to anyone looking for personalized insurance services.
  
 
      Posted on Google  
   
   Josh Gall 
 
 
 
 Trustindex verifies that the original source of the review is Google. Keeleah is very nice to work with. Her customer service is top notch. Stays very  organized and helpful
  
 
      Posted on Google  
   
   Sebastian Duque Londoño 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kelleah is an incredibly friendly and genuiene person who truly cares about the well-being of her clients. She takes the time to listen, understand their needs, and always goes the extra mile to make sure they feel supported. Her professionalism is matched by her warmth, which makes working with her not only effective but also a pleasure.

Read reviews on Google

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 Insurance

Identify 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.

Visit the Service Center

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

Helpful answers

A few questions
before we get started.

Have something else in mind?

Ask our team.

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.

Benefits for your people.
A plan for your business.

Build a benefits package
that works for your business.

Make health coverage an informed decision.

Include Dental and Vision in the conversation.

Plan for needs beyond medical care.

Give employees additional choices.

Experienced advice.
People you can talk to.

What our clients say.

Coverage for the life
you’re planning.

Consider the people your business relies on.

Consider the people who depend on you.

Make final expenses part of your planning.

Understand your annuity options.

Learn about coverage for your child.