Torgersen Causey is a trusted local insurance broker based in Pensacola, Florida, with a strong reputation for providing exceptional service and expertise. With a focus on serving large and midsize employers, they have successfully collaborated with a diverse range of clients. Their office in Pensacola has worked closely with Gulf Winds Credit Union, a leading employer in the depository credit intermediation industry. Torgersen Causey partnered with the HR and finance team at Gulf Winds Credit Union to develop a comprehensive insurance plan tailored to their 210 members' unique needs. This included setting up a self-funding arrangement, as well as HMO, PPO, and PBM plans to ensure optimal coverage and benefits. Torgersen Causey boasts extensive experience and expertise in working with HMOs and clients to address their specific requirements effectively. They have also excelled in serving clients with PPOs, tailoring plans to meet members' needs. Their partnerships with reputable pharmacy providers and PBMs have further enhanced their ability to deliver comprehensive and personalized insurance solutions. With a wide range of experience across industries and client sizes, Torgersen Causey has developed a strong M Score, indicating their high level of competence and expertise. Clients have consistently praised them for their excellent customer service and deep industry knowledge, further solidifying their reputation as a top-notch insurance broker. Operating in the competitive market of Pensacola, Torgersen Causey has established themselves as a reliable and trusted partner for businesses seeking tailored insurance solutions. Their strong expertise in the offices of physicians and depository credit intermediation industries allows them to address the unique insurance needs of these sectors effectively.

Michael R Cowart & Associates in Mobile, AL, stands out as a prominent insurance broker with a substantial presence, boasting a larger office that underscores their commitment to serving the community. Specializing in employer benefits, this office has a proven track record of catering to a diverse range of clients, including local and regional employers. Their expertise extends across various industries, with a notable focus on home health care services, nursing, and residential care facilities. With a rich portfolio of clientele, Michael R Cowart & Associates has successfully worked with self-funded clients, showcasing their adeptness in managing complex insurance structures. Notable examples of their top customers include Crowne Management, a leader in the nursing and residential care facilities industry with 2210+ participants, Felder Services in the home health care services sector with 770+ participants, and Overseas Hardwoods Company in the lumber and construction materials merchant wholesalers industry with 80+ participants. Being an integral part of a local brokerage firm, this office demonstrates its commitment to community engagement. Their extensive experience spans midsize, large, and small employers, attesting to their versatility and ability to tailor insurance solutions to meet the unique needs of businesses of all sizes. Michael R Cowart & Associates in Mobile, AL, stands as a reliable and seasoned partner in navigating the intricacies of employer benefits.

csONE Benefit Solutions. It's what we do. At csONE Benefit Solutions, we specialize in customizing solutions for our producers and their clients. Trusted Insurance Carrier Partnerships csONE Benefit Solutions has an extensive portfolio of Carrier Relationships with highly respected reputations and recognizable names. They are known for their dental, life & disability products. Benefit Communication & Enrollment Support csONE Benefit Solutions offers a unique approach to the benefits education and enrollment process. Our materials are custom designed to ensure employees understand the benefits they currently have, the benefits available to them, and their specific cost. The csONE Team meets one-to-one with each employee to educate, discuss options, and offer guidance through the enrollment process. This is what we do: • Customized Announcement Letters • Personalized Summaries of Benefit Options • Group Education Meeting Presentations. • One-to-One Benefit Consultations • Ongoing Service is part of our solution Client Focused Customer Service We provide real customer service whether you need to talk to an actual person or prefer digital technology through our website or mobile app. Each group is assigned an analyst who stays with the group from implementation, onboarding, education to enrollment. After enrollment, we remain committed to ongoing service.

OneDigital delivers strategic advisory consulting and technology-forward solutions to more than 85,000 employers across the nation. As employee health care, wellness and workplace benefits continue to converge, businesses of all sizes have relied on OneDigital’s exceptional advisory teams for counsel in employee benefits, wellbeing, human resources, pharmacy consulting, property and casualty solutions, as well as the retirement and wealth management services provided through OneDigital Investment Advisors. OneDigital’s commitment to technology and innovation enables its 3,000 advisors to deliver the most modern and intuitive customer experience anywhere in the industry. OneDigital has been named as a Best Place to Work in Insurance by Business Insurance. For more information, visit onedigital.com.

Barnes Insurance & Financial Services, a part of the Alera Group, is a prominent insurance broker located in Pensacola, Florida. Renowned for their in-depth understanding of local and regional employer needs, this office specializes in providing tailored medical and ancillary benefits solutions. A key aspect of their service includes a focus on small employers, demonstrating a knack for addressing the unique challenges and opportunities that such businesses face. Their client portfolio showcases substantial expertise in diverse sectors. Notably, they serve Fort Walton Machining, a key player in the machine shops, turned product, and screw, nut, and bolt manufacturing industry, catering to over 80 participants. Another significant client is The Bridgeway Center, which operates in the outpatient care centers industry and engages with more than 100 participants. These examples underline Barnes Insurance & Financial Services’ ability to handle complex insurance needs across varied industries, particularly in the realms of machine shops, manufacturing, and healthcare. As a local brokerage firm, they bring a personalized touch to their services, combining local insights with the broad capabilities of the Alera Group. This balance ensures that clients receive both the dedicated attention of a local firm and the expansive resources and knowledge of a larger group. Their experience with small employers further highlights their adaptability and commitment to delivering solutions that align with each client's specific needs and contexts. For employers in the Pensacola area, particularly those within the manufacturing and healthcare sectors, Barnes Insurance & Financial Services presents a compelling option for managing insurance and financial needs with expertise and personalized care.

Coastal Workplace Benefits, LLC is a highly reputable insurance broker located in Mobile, Alabama. With extensive experience in the Mobile market, they have become one of the top brokerages in the area. Specializing in serving clients across Ohio, Coastal Workplace Benefits, LLC caters to a diverse range of large and midsize employers. One notable client of this office is Sirius Technical Services Inc, a prominent employer in the facilities support services industry with over 530 members. Coastal Workplace Benefits, LLC collaborated closely with Sirius Technical Services Inc's HR and finance team to establish a tailored self-funding arrangement, PPO plan, and pharmacy benefit management (PBM) solution. This approach was specifically designed to meet the unique needs of their members. In addition to Sirius Technical Services Inc, Coastal Workplace Benefits, LLC serves other esteemed employer clients such as Employee Liability Management Inc, Healthactions Physical Therapy and Wellness, and Hollister Investments Inc. Their expertise spans various industries, including general freight trucking, health practitioners, and offices of physicians. With a strong track record of delivering exceptional service, Coastal Workplace Benefits, LLC consistently ensures that their clients' needs are met. They possess extensive experience in working with PPOs, PBMs, and other pharmacy providers, enabling them to offer comprehensive solutions that align with the specific requirements of their members. This expertise, coupled with their wide range of experience and knowledge across client sizes and industries, has earned Coastal Workplace Benefits, LLC a commendable M Score. As a local insurance broker, Coastal Workplace Benefits, LLC is dedicated to providing outstanding service to clients in the Mobile, Alabama area and beyond. Their commitment to excellence and comprehensive understanding of the insurance landscape make them an ideal partner for employers seeking tailored and effective benefits solutions.

Petra RMS, as a part of the Sunstar Insurance Group, is one of the largest privately held insurance brokerage firms in the Southeast. As a privately held agency, we can be flexible to meet the specific needs of each of our clients. We pride ourselves on being able to provide the resources and services of a large national brokerage firm and still have that boutique broker feel. We are headquartered in Birmingham, Alabama with offices located throughout Alabama, Georgia and Tennessee. Sunstar Insurance Group LLC, is a holding company that provides financial capital, operating resources and strategic oversight to the portfolio of insurance agencies. Sunstar holds licenses to do business across all 50 states. Our Team Experience: • Employee Benefits Consulting Expertise • Employee Benefits Account Management • Human Resources Operations and Employee Benefits Leave Differentiators: • Our team takes a consultative approach when working with our clients. We strategically deliver and manage a cost-effective benefits program that helps you reduce costs and enhance the quality of your plan and assists in attracting and retaining a talented workforce. • We provide value added services to our clients at no additional cost such as: HR and Compliance Support, Technology Consulting, Employee Communication and Engagement, Data Analytics, and Actuarial Consulting. • Our clients have a dedicated service team that works around the clock to assist in the implementation and management of their employee benefits program. • Transparency – we believe you should know how much you pay us and what you pay for.

Combined Insurance Services, located in Pensacola, Florida, is a reputable insurance broker serving clients throughout Wisconsin. Their exceptional customer service and industry expertise have earned them high ratings from satisfied clients. Notably, they have worked closely with Landrum Professional Employer Services Inci, a prominent employer in the employment services industry with 3140 members. This collaboration involved establishing a tailored self-funding arrangement, along with a comprehensive range of healthcare plans including HMO, PPO, PBM, and drug plans, specifically designed to meet the unique needs of Landrum's members. Combined Insurance Services caters to a diverse clientele, including Baptist Hospital, Lakeview Center Inc, Landrum Professional Employer Services Inci, and Nhe, Inc. With a strong presence in the Pensacola, FL market, they rank among the top brokerages in terms of experience and expertise. Their impressive M Score reflects their wide-ranging proficiency and vast experience working with clients of various sizes and across industries. Specializing in healthcare and social assistance, as well as offices of real estate agents and brokers, and offices of physicians, Combined Insurance Services possesses in-depth knowledge and a track record of success within these sectors. They excel in assisting self-funded employers, utilizing their extensive industry experience to provide tailored insurance solutions. Combined Insurance Services is a trusted local insurance broker, recognized for their commitment to exceptional service and comprehensive expertise. With their office located in Pensacola, they continue to establish themselves as a leading insurance brokerage in the region, providing outstanding support to clients of large and midsize employers alike.