At WTW (NASDAQ: WTW), we provide data-driven, insight-led solutions in the areas of people, risk and capital. Leveraging the global view and local expertise of our colleagues serving 140 countries and markets, we help you sharpen your strategy, enhance organizational resilience, motivate your workforce and maximize performance.

We exist to shape decisions for the better — to protect and enrich the lives of people around the world. Our colleagues provide our clients in over 120 countries and sovereignties with advice and solutions that give them the clarity and confidence to make better decisions to protect and grow their business.

Novo Benefits is a highly regarded insurance broker serving clients in Colorado and Nebraska. With their office located in Englewood, Colorado, they have established a strong reputation for exceptional customer service and expertise. One notable example of their outstanding work is their collaboration with the Wyoming Mental Health Association, a prominent employer in the outpatient care centers industry with 110 members. Novo Benefits worked closely with their HR and finance team to design a customized self-funding arrangement tailored to meet the unique needs of the association's members. Their client portfolio includes renowned organizations such as Colorado West Healthcare System, Nebraska Beef, Union Bank & Trust, and Ayars & Ayars, Inc. Novo Benefits caters to a wide range of clients, from large corporations to midsize employers, and their extensive experience and expertise across various industries contribute to their impressive M Score. Novo Benefits has demonstrated a strong command of multiple sectors, including healthcare and social assistance, nonresidential building construction, and support activities for mining industries. They possess a wealth of knowledge in working with self-funded employers, highlighting their expertise in structuring cost-effective and comprehensive insurance solutions. Clients consistently praise Novo Benefits for their exceptional customer service and deep understanding of the insurance landscape. With a commitment to providing tailored insurance solutions and a track record of success, Novo Benefits stands out as a trusted and reliable partner for businesses seeking comprehensive and effective insurance coverage.

AssuredPartners offers medical insurance, voluntary benefits and other services for all sizes of employers in the Denver-Aurora-Lakewood, CO Metro Area. The CO area has 1,280,400 employees that are able to access the AssuredPartners office in Denver for voluntary benefits. One of the top agencies in CO is APCO due to their extensive experience. APCO provides medical insurance, Voluntary Benefits and Retirement Services. The M Score at APCO is 5 due to customer feedback and a broad range of experience. One of the leading insurance brokerages in Denver, AssuredPartners, has an extensive background helping companies both big and small with their Workers' Compensation needs. Their staff is knowledgeable in what is required by law and can help you navigate through the complex world of regulatory compliance. AssuredPartners offers competitive rates while providing prompt service to all its clients. AssuredPartners understands that only prompt response will keep their client business running smoothly while saving money at the same time.

BOK Financial's Denver office stands as a prominent insurance broker, demonstrating extensive expertise in catering to a diverse range of clients, particularly in the self-funded sector. Their proficiency in managing stop-loss and limits, along with a keen understanding of pharmacy costs and HR consulting, positions them as a valuable resource for businesses seeking comprehensive insurance solutions. This large office distinguishes itself through its work with a variety of industries, showcasing its ability to adapt to different business needs. Notable clients include Aduro Advisors from the management, scientific, and technical consulting services industry, with over 260 participants; All American Pet Proteins in the animal food manufacturing sector, serving over 170 participants; and Breckenridge-Wynkoop in the restaurants and eating places industry, catering to around 60 participants. These collaborations underscore their capacity to handle diverse client requirements with efficiency and expertise. Moreover, BOK Financial's Denver location has demonstrated significant experience across several other industries, such as architectural, engineering, and related services, dry cleaning and laundry services, and the management of companies and enterprises. Their ability to offer tailored insurance solutions across these varied sectors further establishes their versatility and depth of knowledge. Being part of a regional insurance broker firm, this office has shown notable proficiency in dealing with employers of various sizes, ranging from small to large enterprises. Their adeptness in understanding the unique insurance needs of each business size makes them a go-to choice for employers looking for a broker that can align with their specific requirements and expectations. In summary, BOK Financial in Denver, CO, with its broad industry expertise and a strong focus on meeting the distinct needs of businesses of all sizes, presents itself as a robust and versatile insurance brokerage for employer benefits buyers.

USI Insurance Services, a national insurance broker with an office in Colorado Springs, Colorado, specializes in working with clients of large employers. With their extensive experience, they have developed a strong understanding of the unique needs and challenges faced by self-funded employers. The team at USI Insurance Services excels in collaborating with health maintenance organizations (HMOs) and clients to ensure the best possible coverage solutions. Notably, this office has successfully partnered with Pacific Coast Companies, Inc., a prominent employer in the building material and supplies dealers industry. Working closely with their HR and finance team, USI Insurance Services facilitated the establishment of a comprehensive self-funding arrangement, HMO plan, preferred provider organization (PPO) plan, pharmacy benefit management (PBM), and drug plan tailored specifically to meet the needs of Pacific Coast Companies, Inc.'s 3070 members. As one of the leading brokerages in the Colorado Springs, CO market, USI Insurance Services boasts an impressive M Score, a testament to their extensive expertise across various client sizes and industries. Their knowledge and proficiency extend beyond building material and supplies dealers to include the automobile dealers industry. Servicing clients throughout Colorado, this USI Insurance Services location has successfully catered to the insurance needs of prominent employers like Summit Automotive Partners LLC. Their commitment to providing tailored solutions and leveraging their broad industry expertise sets them apart as a reliable and trusted insurance broker in the region.

With all of the work you put into finding the right benefits for your employees, you deserve to feel appreciated. At FH insurance, we’re here to give you the insight and support you need to create an exceptional benefits offering that will make your company competitive and your employees happy. By meticulously reviewing your current benefits solutions and goals, we’ll help you find a package that strikes the appropriate balance between affordability and great care. Plus, we’re here to service your claims, provide your employees with information about their benefits, survey your employees and for any additional support you need.

On June 1st, 2010, Cody Ritchie assumed the role of President of the newly formed Crest Insurance Group with a vision to develop the firm to be the top agency based in Arizona. Crest Insurance has grown to include offices in Tucson, Phoenix, Scottsdale, Sierra Vista, Flagstaff and San Diego, California. We have experienced producers writing policies for clients throughout the United States. We pride ourselves on being the best at what we do. We provide access to many national carriers and markets yet remain a true local agency with face to face service and deep ties to our community. It has always been our philosophy to give back and support charitable causes and programs whenever possible. We believe serving our community means being a trusted business partner and also sharing our success with those who strive to make our community better. “If we do well, we will do good.”