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.

Dickerson Employee Benefits in Los Angeles, CA, stands as a prominent larger office within a local brokerage firm, known for its nuanced expertise in serving midsize employers. Their specialization is especially pronounced in sectors like outpatient care centers, heating, ventilation, air-conditioning, and commercial refrigeration equipment manufacturing, and the real estate leasing industry. This office has developed a reputation for its proficiency in navigating the complex landscapes of medical and ancillary benefits, making them a reliable partner for regional and local employers. Their client portfolio is diverse and impressive, including significant players like Alexander Dawson School in the educational services sector based in Colorado, with over 130 participants. They also cater to the needs of Mark-Taylor Residential, a major entity in the lessors of real estate industry in Arizona, handling benefits for more than 510 participants. Additionally, their expertise extends to the healthcare sector, evidenced by their successful collaboration with Midwestern Colorado Mental Health Center, an outpatient care center with over 100 participants. This Los Angeles office of Dickerson Employee Benefits demonstrates a deep understanding of the unique needs and challenges faced by various industries. Their ability to offer tailored solutions and a comprehensive understanding of different market demands makes them a valuable asset for employers looking to navigate the intricacies of employee benefits. Their strategic approach and commitment to understanding industry-specific requirements underscore their position as a reliable and knowledgeable insurance broker for any midsize employer seeking specialized guidance in employee benefits management.

Allpointe Insurance Services provides employee benefits and group health insurance to all sizes of employers in the San Francisco-Oakland-Hayward, CA Metro Area. The cost and quality of group health benefits are driven by who is hired as an insurance broker. The San Francisco-Oakland-Hayward, CA market employs 2,167,500 people who depend on their employer for many benefits, including healthcare. Allpointe Insurance Services San Francisco is a local insurance broker serving the greater San Francisco region.

Barthuli & Associates Insurance Services is a highly reputable and customer-oriented insurance broker based in Fresno, California. With a strong focus on providing exceptional customer service and expertise, they have earned excellent ratings and reviews from their clients. Their office serves a diverse clientele throughout Mississippi, catering to clients of all sizes, ranging from large corporations to midsize and small businesses. One notable example of their outstanding work is their partnership with Central California Faculty Medical Group, an esteemed employer in the offices of physicians industry. Barthuli & Associates Insurance Services collaborated closely with the HR and finance team of this 590-member organization to develop tailored insurance solutions. They successfully established a self-funding arrangement, HMO plan, PPO plan, PBM, and drug plan specifically designed to meet the unique needs of the group's members. In addition to their collaboration with Central California Faculty Medical Group, Barthuli & Associates Insurance Services has worked with other notable employer clients, including Fresno Valves & Castings Health & Welfare Plan, Netafim Irrigation Inc, and Sunshine Raisin Corporation Health & Welfare Plan. These partnerships showcase the breadth of their expertise and experience across various industries, such as miscellaneous manufacturing, paint, coating, and adhesive manufacturing, as well as offices of physicians. Barthuli & Associates Insurance Services has built a solid reputation in the industry, particularly in the realm of self-funded employers. Their extensive knowledge and track record have contributed to a strong M Score, reflecting their ability to effectively serve clients of different sizes and industries. With their local presence and commitment to exceptional service, Barthuli & Associates Insurance Services continues to be a trusted partner for businesses seeking comprehensive insurance solutions in Fresno and beyond

Centered Insurance Solutions is a local insurance broker located in Camarillo, California. With a strong focus on meeting the unique needs of their clients, they have established themselves as a trusted partner in the insurance industry. One notable example of their expertise is their collaboration with Golden State Medical Supply, a prominent employer in the support services sector comprising 190 members. Centered Insurance Solutions worked closely with Golden State's HR and finance team to develop a comprehensive insurance package tailored specifically for their employees. This included the implementation of a self-funding arrangement, along with a customized HMO plan, PPO plan, pharmacy benefit management (PBM), and drug plan. The team at Centered Insurance Solutions brings extensive experience to the table. They excel in working with self-funded employers, showcasing their ability to navigate complex insurance structures effectively. Additionally, they have a proven track record of providing exceptional services to clients in the HMO and PPO domains, ensuring that members' needs are met. Their expertise extends to working with PBMs and other specialized pharmacy providers. With a diverse clientele comprising large and midsize employers, Centered Insurance Solutions serves an array of industries. Their impressive roster of employer clients includes Viewpoint School, Farwest Corrosion Control Company, Golden State Medical Supply, and Lassens Health Foods. Beyond their local presence in California, Centered Insurance Solutions also extends their services to clients throughout Texas. Centered Insurance Solutions boasts a strong M Score, reflecting their wide range of experience and expertise across clients of various sizes and industries. Notably, they possess deep knowledge in support services, commercial and industrial machinery and equipment repair and maintenance, as well as the vegetable and melon farming sectors. By leveraging their extensive experience and commitment to client satisfaction, Centered Insurance Solutions stands as a trusted partner in providing tailored insurance solutions.

The Liberty Company Insurance Brokers is an independently owned insurance broker handling the commercial, personal and employee benefits insurance needs of businesses, non-profits, and individuals for more than 35 years. The company was founded in 1987 by our Chairman and CEO, Bill Johnson, who currently leads the firm along with our President, Jerry Pickett. Licensed to operate in all 50 states, Liberty has grown consistently and, in recent years, exponentially by attracting talented and entrepreneurial people into an energetic and collaborative culture which focuses on our team’s happiness, well-being, and growth. Liberty has expanded nationally by partnering with agency owners and experienced producers who fit our culture, are driven by our mission of Promoting Peace of Mind with Great Care and demonstrate our core values of Integrity, Excellence, Caring, Kindness, Fairness, Teamwork, Good Feelings and Fun! Liberty has consistently been recognized as one of the most dynamic, fastest growing companies as well as one of the best places to work in the insurance industry, including being recognized as the #1 Fastest Growing Privately Held Insurance Broker in the U.S. over the past four year by the Hales Report. Liberty is not your typical insurance broker: We are a culture-first organization, and believe "If you put people first, good business will follow." We are very collaborative, creative, entrepreneurial, and wellness-focused. We believe that the true Wealth of our Organization is dependent upon the Holistic Health of each member. We can serve our clients most powerfully when we are at our best mentally, physically, and spiritually. To that end, our goal is to clear the path of political and administrative distractions so our team members can focus on their Highest And Best Use (HABU), which is what they love to do, what they do best, and therefore, is best for all of us.

At Cavignac we’re working towards realizing a vision where every business in our community is protected from risk. To achieve this, we’ve built a team that has been recognized as best in industry by giving them the resources and independence to: - Belong: We emphasize culture and encourage collaboration. We work in a supportive work environment where you know your teammates have got your back. - Give: We believe community engagement is an integral part of a fulfilling career. We’re always looking for new ways to give back to the place where we live and work. - Grow: The only thing more important than our clients futures are the futures of our team members. We invest a significant amount of time and resources on employee education. - Thrive: Comprehensive health insurance, 401k matching, profit sharing, team events, competitive PTO, all staff and individual bonuses - we give our team the benefits they need to live their best life. It’s this approach that has led to recognition. Here are a few of them: - Best Places to Work in San Diego: 2011, 2013, 2015, 2017, 2019, 2021 - Best Places to Work in Insurance: 2012, 2014, 2016, 2018, 2020, 2022 - U.S. Business Insurance: #1 Best Place To Work in the Country - Reagan's Best Practices Agency: 22 Consecutive Years (1999 - 2022) What We Do: We're an independent (locally owned) commercial insurance broker that manages risk and negotiates insurance on behalf of its clients. Our objective is to lower our clients Total Cost of Risk and drive dollars to their bottom line. Mission: To give confidence and clarity to the businesses we serve by providing knowledge-based risk management solutions and an exceptional client experience.

Gallagher offers medical insurance, voluntary benefits and other services for all sizes of employers in the San Diego-Carlsbad, CA Metro Area. Employees depend on group health benefits for their well being and that of their families. Companies must offer competitive benefits in markets like San Diego-Carlsbad, CA due to increasing demand for employees. Gallagher San Diego is a part of a national insurance brokerage firm with offices across the nation with a local office in San Diego region. Arthur J. Gallagher & Co. Gallagher San Diego office has an M Score of 5 which is the highest M Score possible based on wide experience with business clients and positive customer feedback. An insurance broker plays an important role in selecting an enrollment firm for your employees. Arthur J. Gallagher & Co., Gallagher San Diego has few ratings and their score appears to be low compared to others in the marketplace.

HUB International, a national insurance consultant with an office based in Carlsbad, California, is a reputable insurance broker catering to clients of various sizes, including large, midsize, and small employers. While some customers have expressed lower reviews, it is worth investigating these concerns when evaluating potential partners. However, HUB International boasts extensive experience working with self-funded clients and has excelled in designing HMO and PPO plan models for their clients. They are particularly renowned for their proficiency in carving out drug and pharmacy plans, setting them apart from other brokers in the market. Notably, HUB International's Carlsbad office has made significant contributions within the insurance landscape, showcasing their expertise and commitment to their clients. For instance, they collaborated with Bridge Home Health, a prominent employer in the home health care services industry, to establish a customized self-funding arrangement, HMO plan, PPO plan, PBM, and drug plan tailored to the unique needs of their 580 members. This successful partnership demonstrates HUB International's ability to deliver tailored solutions. The Carlsbad office of HUB International has solidified its position as one of the top brokerages in the San Diego, CA market, boasting a wide range of experience and expertise across various client sizes, industries, and products. Additionally, their strong acumen spans industries such as professional, scientific, and technical services, depository credit intermediation, computer systems design, and related services. Servicing clients across multiple states, including California, Arizona, Nevada, Oklahoma, Colorado, South Carolina, Georgia, Florida, Missouri, Illinois, Pennsylvania, Massachusetts, Texas, Washington, Minnesota, and Michigan, this location of HUB International has fostered partnerships with notable employer clients like Acadia Pharmaceuticals Inc, Ace Parking, Alphatec Spine, Inc, and Angel View Resale Store

F & I Insurance Services provides employee benefits and group health insurance to small-to-midsize employers in the Oxnard-Thousand Oaks-Ventura, CA, metro area. Employees depend on group health benefits for their well-being and the well-being of their families. The area has over 21,300 employers that work to provide employee benefits and group health insurance for their employees. F & I Insurance Services' Thousand Oaks office has limited experience or focuses on smaller companies and therefore has an M Score 1. F & I Insurance Services Thousand Oaks is a local insurance broker that provides coverage to businesses and individuals. The agency is licensed to do business in California and has been in operation for many years. F & I Insurance Services represents some of the top insurance carriers in the country, including United Healthcare. The agency has a strong focus on customer service and provides tailored coverage options to meet the needs of their clients. F & I Insurance Services is dedicated to providing quality coverage at an affordable price.

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.