For the past two decades, we have helped organizations and individuals with complex risk management, insurance, and employee benefit challenges. Guided by our principles, our unique combination of experience, specialized expertise, and personal attention enables us to deliver solutions that are tailored to your needs. When others are focused on their products, we’re focused on your future. Our mission goes beyond advising you of your insurance needs; it’s making insurance part of your long-term business strategy. Through this, we are building a partnership, standing beside you as your business grows.

XL Benefit Insurance Services offers a full service stop loss and self funded solution for brokers and third party administrators (TPAs). Many brokers and TPAs are busy with their core business and do not have the time or the expertise to focus on medical stop loss. XL Benefits simplifies the process by providing outsourced stop loss marketing, contract negotiation, streamlined disclosure, policy issuance, and claim assistance for your client's stop loss needs. Whether behind the scenes or on the front line, XL Benefits is ready to help bring the best possible stop loss solution to your clients both in terms of price and contract provisions.

Nestled in the vibrant business landscape of Sacramento, CA, Tom D Ellis emerges as a distinguished insurance broker, specializing in crafting tailored benefit solutions for local and regional employers. With a focus on medical and ancillary benefits, this broker has honed its expertise to address the unique needs of diverse businesses in the area. Among Tom D Ellis's notable clientele is Community Solutions, a cornerstone in the individual and family services industry with over 270 participants. This collaboration underscores the broker's ability to navigate the intricacies of the healthcare landscape, providing comprehensive coverage for organizations dedicated to serving the community. As an integral part of a local brokerage firm, Tom D Ellis is deeply embedded in the fabric of Sacramento's business community. This affiliation ensures that clients benefit from a nuanced understanding of the local market, enabling the broker to offer insightful and personalized solutions. Tom D Ellis has a proven track record of successfully partnering with midsize employers, demonstrating a keen understanding of the challenges and opportunities unique to businesses of this scale. For employers seeking a seasoned and community-oriented insurance partner, Tom D Ellis stands as a reliable choice with a commitment to delivering tailored benefits that meet the distinct needs of Sacramento's dynamic workforce.

As one of the largest insurance brokerage and consulting firms in the US, Woodruff Sawyer protects the people and assets of more than 4,000 companies. We provide expert counsel and fierce advocacy to protect clients against their most critical risks in property & casualty, management liability, cyber liability, employee benefits, and personal wealth management. We provide expertise and customized solutions where clients need it, with headquarters in San Francisco, offices throughout the US, and global reach on six continents.

SL Goodell Insurance Services, Inc. is a reputable insurance broker that caters to clients of large and midsize employers. With extensive knowledge and experience in pharmacy benefit management (PBM) and specific pharmacy providers, they offer comprehensive solutions tailored to the unique needs of their clients. Based in Elk Grove, California, SL Goodell Insurance Services, Inc. operates from a local office. One notable achievement of this office is their collaboration with 23andMe, a leading employer in the scientific research and development services industry, boasting 670 members. Working closely with the HR and finance team at 23andMe, SL Goodell Insurance Services, Inc. successfully established a self-funding arrangement, along with a range of customized plans including HMO, PPO, PBM, and drug plans. This tailored approach ensures that members receive optimal coverage. The exceptional track record of SL Goodell Insurance Services, Inc. is reflected in their strong expertise across various industries, particularly in scientific research and development services. Additionally, they serve clients across Minnesota, further expanding their reach and impact. With a diverse portfolio of clients, including prominent companies like Pioneer Equipment Co., SL Goodell Insurance Services, Inc. has earned a high M Score, reflecting their wide-ranging experience and proficiency in meeting the insurance needs of different client sizes and industries. Through their office in Elk Grove, California, SL Goodell Insurance Services, Inc. remains committed to delivering top-notch insurance solutions and building long-term partnerships with their clients.

Bender Insurance Solutions is a highly regarded insurance broker known for its exceptional customer service and expertise in serving clients of large and midsize employers. With a strong focus on meeting the unique needs of self-funded employers, HMOs, and pharmacy benefit managers (PBMs), Bender Insurance Solutions has built a reputation for providing tailored insurance solutions. Headquartered in Roseville, California, Bender Insurance Solutions operates locally, catering to a diverse range of clients. One notable example of their work is their successful collaboration with Cares Community Health, an outpatient care centers industry employer with 300 members. Working closely with the HR and finance team at Cares Community Health, Bender Insurance Solutions facilitated the establishment of a comprehensive self-funding arrangement, HMO plan, PBM, and drug plan specifically tailored to the needs of the employer's members. With a wide range of experience and expertise spanning various industries, Bender Insurance Solutions maintains a strong M Score. They possess specialized knowledge in serving offices of physicians and outpatient care centers, ensuring that their clients receive optimal insurance solutions. Not limited to California, Bender Insurance Solutions extends its services to employer clients across Alabama. This location caters to a diverse range of employers, including Cares Community Health, Elica Health Centers, Health and Life Organization, and S & G Discount Outlet Inc. In summary, Bender Insurance Solutions is a trusted insurance broker known for its outstanding customer service, expertise in serving large and midsize employers, and specialization in self-funded arrangements, HMO plans, and pharmacy benefit management. With a local presence in Roseville, California, and a strong client base across Alabama, Bender Insurance Solutions is well-equipped to address the insurance needs of diverse industries and client sizes.

USI is one of the largest insurance brokerage and consulting firms in the world, delivering property and casualty, employee benefits, personal risk, program and retirement solutions to large risk management clients, middle market companies, smaller firms and individuals. Headquartered in Valhalla, New York, USI connects over 10,000 industry-leading professionals across more than 200 offices to serve clients’ local, national and international needs. USI has become a premier insurance brokerage and consulting firm by leveraging the USI ONE Advantage®, an interactive platform that integrates proprietary and innovative client solutions, networked local resources and enterprise-wide collaboration to deliver customized results with positive, bottom-line impact. USI attracts best-in-class industry talent with a long history of deep and continuing investment in our local communities. For more information, visit usi.com.