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.

The Clifford Group, stationed in Sacramento, CA, stands as a substantial and adept insurance broker, exemplifying the qualities of a larger office with a keen focus on local and regional employers, particularly in the domains of medical and ancillary benefits. This office's size speaks to its capability in meeting the diverse needs of businesses in the California area. Prominent among their esteemed clientele are industry leaders like Lancaster-Burns Construction in nonresidential building construction, Salveo in home health care services, and Timberworks Construction in foundation, structure, and building exterior contractors. These partnerships feature 120+, 80+, and 150+ participants respectively, illustrating The Clifford Group's depth of expertise in addressing the unique challenges of organizations in the nonresidential building construction, foundation, structure, and building exterior contractors, and home health care services industries. Affiliated with a local brokerage firm, The Clifford Group benefits from an intimate understanding of the local business landscape. This association allows them to deliver personalized and tailored solutions, emphasizing their demonstrated experience with midsize and small employers in the Sacramento area.

Interwest Insurance Services, operating from its large office in Sacramento, CA, presents a compelling choice for employer benefits buyers seeking comprehensive insurance solutions. Located at 8950 Cal Center Dr., Bldg 3, Ste. 200, this corporate office embodies the firm's commitment to serving a diverse clientele, including small, midsize, and large employers, across various industries. This full-service insurance brokerage specializes in commercial, employee benefits, surety, and personal insurance solutions. Their approach goes beyond the mere calculation of premiums, encompassing claims advocacy, stewardship, and a suite of risk management tools designed to protect assets and minimize costs. Key personnel at this location, like John Weber in the Surety department and Jen Weathersbee, Vice President and Executive Director of the Claims & Risk Management Services Department, bring rich experience and specialized skills. John Weber's expertise, honed since 2009, focuses on managing and improving surety bond programs, particularly for contractors. Jen Weathersbee, joining in 2003, leads in providing claims and risk management consultation and advocacy across various industries. Moreover, Jim Bulotti, a member of InterWest's Board of Directors, extends a wide range of value-added services to help employers manage their employee benefits programs effectively. His role includes serving on the broker advisory boards for several leading insurance carriers, advising on product and service development. Their expertise in working with self-funded clients is particularly notable, offering a deep understanding of stop loss and limits, pharmacy costs, and other HR consulting aspects. This office has proven its capability in serving top customers from diverse sectors, such as Aerometals in aerospace product and parts manufacturing, Amain Com in retail trade, and Bbd Opco in the restaurant industry, all with 100+ participants. This regional insurance broker firm’s breadth of experience, combined with its strategic location in Sacramento, positions it uniquely to cater to a range of employer needs, making it an ideal partner for companies seeking robust and tailored insurance solutions.

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.

Graybill Insurance Agency in Sacramento, CA, stands out as a prominent insurance broker with a robust presence in the region. As a larger office, they bring a wealth of experience and specialized knowledge to the table, particularly excelling in catering to the needs of local and regional employers seeking comprehensive medical and ancillary benefits. This Sacramento-based office has established itself as a go-to partner for businesses of various sizes. Notably, Graybill Insurance Agency has a proven track record of serving midsize and small employers, showcasing versatility and adaptability in meeting diverse client requirements. With a strong focus on industries such as support activities for forestry, plastics product manufacturing, and building equipment contractors, Graybill Insurance Agency has become a trusted ally for companies in these sectors. Some noteworthy clients include Dongalen Enterprises, a plastics product manufacturing company with 110+ participants, Mountain F Enterprises in retail trade with 200+ participants, and Mountain G Enterprises engaged in support activities for forestry with 110+ participants. Being part of a local brokerage firm, Graybill Insurance Agency brings a personalized touch to their services, understanding the unique dynamics of the Sacramento business landscape. Their expertise, demonstrated across various industries and employer sizes, positions them as a reliable choice for employers seeking comprehensive and tailored insurance solutions.

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.