At Richard S. Bernstein & Associates, Inc., we understand the importance of selecting an insurance agency that has your best interest in mind. Clients can rely on us to deliver competitive insurance solutions and personalized service. Richard Bernstein is a leader in the insurance industry with over 40 years in business. A+ Better Business Bureau ranking was awarded. Full-service, independent insurance firm offering a diverse range of insurance products and carriers designed to meet the needs of our individual, corporate and charitable organization clients. Richard S. Bernstein & Associates, Inc. is committed to providing the utmost level of service with our dedicated account management team, extensive resources and strategic relationships. We are made up of experienced team of professionals providing trusted estate planning and insurance expertise that surpasses industry standards.

Edbrooke|Stelcner & Associates, Inc, based out of Miami, FL, is a prominent insurance broker with a significant presence in the region. This larger office is known for its extensive expertise in providing insurance solutions to local and regional employers, with a primary focus on medical and ancillary benefits. Their track record in serving clients in various industries is testament to their versatility and depth of knowledge. One of Edbrooke|Stelcner & Associates, Inc's standout features is its impressive client portfolio. They have successfully partnered with companies such as Caribbean Sun Airlines Dba World Atlantic Airlines in the air transportation industry, boasting over 150 participants, First State Bank of the Florida Keys in the depository credit intermediation sector, with over 130 participants, and Health Holdings in the outpatient care centers industry, serving more than 290 participants. This diverse client base demonstrates their ability to tailor insurance solutions to meet the unique needs of businesses across various sectors. Edbrooke|Stelcner & Associates, Inc is a local brokerage firm, firmly rooted in the Miami, FL community. Their expertise extends beyond insurance offerings to encompass industries such as traveler accommodation, depository credit intermediation, and air transportation. This local presence, coupled with their experience in working with midsize employers, makes them a valuable partner for businesses seeking comprehensive and tailored insurance solutions.

Gallagher, a global insurance brokerage, risk management, and consulting firm, serves communities around the globe, helping clients address risk, protecting assets, and recovering from losses. The products and services we provide keep businesses and institutions running, and enable individuals and families to face their future with confidence. Gallagher provides retail and wholesale property and casualty brokerage, alternative risk transfer services, employee benefit consulting, and actuarial services. Gallagher also offers claims and information management, risk control consulting and appraisal services, human resource consulting, and retirement services. #BuildingConfidenceTogether Follow us on social: Instagram: http://instagram.com/gallagherglobal Facebook: http://www.facebook.com/GallagherGlobal Twitter: https://twitter.com/GallagherGlobal YouTube: https://www.youtube.com/GallagherGlobal

Insurance Office of America (IOA) is the fourth largest privately held insurance brokerage in the United States. Founded in 1988, IOA is a recognized leader in providing property and casualty, employee benefits, and personal lines insurance and risk management solutions as well as insurtech innovation. Headquartered in Longwood, Florida, part of the greater Orlando community, IOA has more than 1,300 associates located in over 60 offices in the U.S. and United Kingdom. For more information, visit www.ioausa.com.

Gallagher, a global insurance brokerage, risk management, and consulting firm, serves communities around the globe, helping clients address risk, protecting assets, and recovering from losses. The products and services we provide keep businesses and institutions running, and enable individuals and families to face their future with confidence. Gallagher provides retail and wholesale property and casualty brokerage, alternative risk transfer services, employee benefit consulting, and actuarial services. Gallagher also offers claims and information management, risk control consulting and appraisal services, human resource consulting, and retirement services. #BuildingConfidenceTogether Follow us on social: Instagram: http://instagram.com/gallagherglobal Facebook: http://www.facebook.com/GallagherGlobal Twitter: https://twitter.com/GallagherGlobal YouTube: https://www.youtube.com/GallagherGlobal

The Berenguer Group is a highly reputable insurance broker located in Key Biscayne, Florida. With a proven track record of success, they specialize in providing tailored insurance solutions to clients across various industries and employer sizes. One of their notable achievements includes partnering with One Homecare Solutions LLC, a prominent employer in the home health care services sector, comprising 1150 members. The Berenguer Group worked closely with the HR and finance team of One Homecare Solutions LLC to design and implement a comprehensive suite of insurance plans, including HMO, PPO, PBM, and drug plans. This personalized approach reflects their expertise in understanding and meeting the unique needs of their clients and members. Notably, The Berenguer Group has extensive experience working with HMOs and clients to ensure optimal coverage and cost-effectiveness. They also excel in collaborating with clients and PPOs to meet the diverse requirements of their members. Their impressive client portfolio spans across large, midsize, and small employers, including renowned companies like Goya Foods Inc, Motor-Services Hugo Stamp Inc, One Homecare Solutions LLC, and Hardrives Inc. Operating throughout Florida, The Berenguer Group has established a strong presence in the insurance industry. Their exemplary performance is reflected in their excellent M Score, which signifies their vast experience and expertise in serving clients from various industries. The Berenguer Group's comprehensive understanding of home health care services, commercial and industrial machinery and equipment repair, as well as securities and commodity contracts intermediation and brokerage, positions them as a trusted partner capable of addressing the insurance needs of diverse businesses effectively.

Insurance Office of America (IOA) is the fourth largest privately held insurance brokerage in the United States. Founded in 1988, IOA is a recognized leader in providing property and casualty, employee benefits, and personal lines insurance and risk management solutions as well as insurtech innovation. Headquartered in Longwood, Florida, part of the greater Orlando community, IOA has more than 1,300 associates located in over 60 offices in the U.S. and United Kingdom. For more information, visit www.ioausa.com.

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.

Insurance Office of America (IOA) is the fourth largest privately held insurance brokerage in the United States. Founded in 1988, IOA is a recognized leader in providing property and casualty, employee benefits, and personal lines insurance and risk management solutions as well as insurtech innovation. Headquartered in Longwood, Florida, part of the greater Orlando community, IOA has more than 1,300 associates located in over 60 offices in the U.S. and United Kingdom. For more information, visit www.ioausa.com.