Varney Benefits Advisors (VBA) delivers national expertise with local agency service in developing customized employee benefit programs for a wide array of clients. As a client of VBA, you can rely on us not just for personalized service, but also the experience that’s required to navigate an increasingly complex landscape and deliver sustainable solutions. The VBA principals have a combined 80 years of experience advising clients on their employee benefit offerings. Our team has worked with organizations in a variety of business sectors, including healthcare, not-for-profits, manufacturing, professional services, government/municipalities, financial services, and more. Our client base includes small, family-run businesses, large organizations with thousands of employees, and everything in between. Regardless of your organization’s size, we function as an extension of your human resources department throughout the year.

Scott Colford Cross Insurance, nestled in Augusta, ME, stands out as a distinguished insurance broker, specializing in employer benefits for local and regional businesses. With a keen focus on medical and ancillary benefits, this office showcases commendable expertise in navigating the complexities of the insurance landscape. Their proven track record with midsize employers attests to their ability to tailor solutions that align with the unique needs of businesses. This Augusta-based location of Scott Colford Cross Insurance boasts a diverse clientele, exemplified by top-tier companies like Eldredge Lumber & Hardware, a prominent player in the building material and supplies dealers industry with over 100 participants. Further, their portfolio includes Maine Community Health Options, a key player in the insurance carriers industry, boasting an impressive 300+ participants, and Shaw Brothers Construction, a stalwart in the highway, street, and bridge construction sector with a workforce exceeding 90. Their comprehensive understanding spans across the building material and supplies dealers, insurance carriers, and highway, street, and bridge construction industries, illustrating their adaptability to various business domains. As a vital part of a local brokerage firm, this office provides a localized touch and in-depth knowledge of the regional business landscape, ensuring tailored solutions for the diverse needs of employers in Augusta and beyond.

Northern Benefits is a regional insurance broker with an office conveniently located in Augusta, Maine. Serving clients across Maine, New Hampshire, Vermont, and Massachusetts, this office is known for its exceptional service and expertise. With a diverse portfolio of clients ranging from large corporations to midsize and small employers, Northern Benefits has established itself as one of the top brokerages in the Augusta, ME market. One notable client that Northern Benefits has worked with is Cottage Hospital, a prominent 280-member employer in the health care and social assistance industry. Collaborating closely with the hospital's HR and finance team, Northern Benefits successfully set up a comprehensive self-funding arrangement, designing a tailored HMO plan, PPO plan, PBM, and drug plan specifically catered to the unique needs of Cottage Hospital's members. In addition to Cottage Hospital, Northern Benefits has formed partnerships with esteemed employers such as AIRMAR Technology Corporation, American Postal Workers Accident Benefit Association, Androscoggin Home Healthcare + Hospice, and Baker Newman Noyes. These affiliations highlight Northern Benefits' broad experience across various industries, including health care and social assistance, individual and family services, and miscellaneous manufacturing. What sets Northern Benefits apart is their extensive knowledge and experience in working with self-funded clients, HMO plan design models, and PPO plan design. They also excel in carving out drug and pharmacy plans, distinguishing themselves from other brokers in the market. With an outstanding track record and a commitment to meeting clients' unique requirements, Northern Benefits has earned a stellar reputation and boasts one of the highest M Scores possible in the industry.

Patriot Benefit Solutions, nestled in the heart of Bangor, ME, stands as a beacon of expertise in the insurance brokerage landscape. With a robust track record, this office boasts commendable experience in catering to self-funded clients, affirming their prowess in navigating the complexities of employer benefits. Serving the local and regional business community, Patriot Benefit Solutions has become a trusted partner for employers seeking comprehensive insurance solutions. One notable feather in their cap is their successful collaboration with prominent entities like Amarin Pharma and Rolf C Hagen USA Corp. The former, a key player in pharmaceutical and medicine manufacturing based in NJ, entrusts Patriot Benefit Solutions with the well-being of over 210 participants. Similarly, Rolf C Hagen USA Corp, a heavyweight in the retail trade industry located in MA, relies on their expertise to safeguard the interests of 260+ participants. The diverse portfolio of clients underscores the versatility of Patriot Benefit Solutions, showcasing their adeptness across pharmaceutical and medicine manufacturing as well as the retail trade sectors. As a crucial branch of a regional insurance broker firm, Patriot Benefit Solutions in Bangor, ME, combines local insight with the backing of a larger network, ensuring employers receive tailored solutions that align with their unique needs.

Fisher Insurance Agency Inc., based in Bangor, ME, stands out as a trusted insurance broker specializing in tailored solutions for employer benefits. With a deep understanding of the local and regional landscape, this office demonstrates a commendable proficiency in crafting comprehensive medical and ancillary benefit packages for midsize employers. The agency's expertise extends across diverse industries, including medical and diagnostic laboratories, computer systems design, and textile product mills. Notable clients such as Astenjohnson, a prominent player in the textile product mills industry with over 240 participants, Btl Industries in medical equipment and supplies manufacturing boasting 270+ participants, and Exycute in medical and diagnostic laboratories with a participant count exceeding 300, underscore Fisher Insurance Agency Inc.'s ability to cater to varied employer needs. Aligned with the ethos of a local brokerage firm, Fisher Insurance Agency Inc. has established itself as a reliable partner, providing strategic insights and personalized service. Their track record in navigating the complexities of benefit structures is evident in their successful collaborations with a range of employers, emphasizing a commitment to delivering optimal solutions in the dynamic landscape of employer benefits.

Atlantic Insurance & Benefits, based in Belfast, ME, stands out as a knowledgeable and trusted local brokerage firm, particularly adept at serving the unique needs of small employers in the region. Their proficiency is especially notable in the medical and ancillary benefits arena, a crucial aspect for businesses seeking comprehensive employee benefits solutions. One of the hallmarks of Atlantic Insurance & Benefits is their deep understanding of the offices of physicians' industries. This expertise is not just theoretical; it's proven through their successful partnerships with significant local clients like Pines Health Services. With over 100 participants from Pines Health Services, Atlantic Insurance & Benefits demonstrates their ability to handle complex benefit needs, ensuring both the employer and employees are satisfied with their insurance solutions. Their focus on small employers is particularly commendable. In a landscape where small businesses often struggle to find tailored benefits solutions, Atlantic Insurance & Benefits provides a much-needed service. They understand the challenges and opportunities specific to smaller organizations, enabling them to offer personalized and effective benefits strategies. Moreover, their local and regional focus allows them to have a nuanced understanding of the needs of employers in Belfast and surrounding areas. This local expertise is invaluable in navigating the specific regulations and market trends relevant to Maine-based businesses. In summary, Atlantic Insurance & Benefits emerges as a strong partner for employers in Belfast, ME, particularly those in the offices of physicians industry and small businesses looking for specialized, locally informed insurance and benefits guidance.

We’re here to protect your team for tomorrow. Whether your team is your family, business, or your employees, you can depend on Cross Insurance to provide insurance options. With over 1,000 talented employees located throughout the Northeast, our team is ready to partner with you. Cross Insurance offers personal insurance, commercial insurance, employee benefits, and bonds. - 27th Largest Broker of U. S. Business, Per Business Insurance report ’20 - 2nd Largest Insurance Broker in Massachusetts, per Boston Business Journal ’22 - Official Insurance Broker of the New England Patriots, Gillette Stadium, the Boston Bruins, the Boston Red Sox, and New England Revolution Cross Insurance was founded in 1954 at the kitchen table of Woodrow W. Cross. Four generations later, it is still family owned and operated. Cross Insurance is headquartered in Bangor, Maine.

Allen Financial Insurance, based in Camden, ME, stands out as a larger office within a local brokerage firm, offering tailored insurance solutions to both small and midsize employers. Their proficiency particularly shines in working with self-funded clients, highlighting their adaptability and in-depth knowledge in customizing plans according to specific employer needs. The brokerage's expertise spans across various industries, with a notable presence in hospitals, depository credit intermediation, and building material and supplies dealers. This diverse industry knowledge ensures that they bring a wide array of insights and strategies to their clients, catering to unique industry-specific challenges and requirements. Illustrative of their capability and success are some of their top clients, including Down East Community Hospital in the hospitals industry, boasting over 210 participants. This partnership demonstrates their competence in managing complex needs in the healthcare sector. Similarly, their collaboration with Kennebec Savings Bank in the depository credit intermediation industry, serving over 150 participants, showcases their skill in addressing the nuanced requirements of financial institutions. Furthermore, their work with Viking in the building material and supplies dealers industry, aiding more than 100 participants, underlines their versatility and ability to provide customized solutions across varied sectors. Allen Financial Insurance's blend of local insight and broad industry expertise positions them as a valuable partner for regional employers seeking comprehensive and tailored insurance solutions. Their proven track record with both small and midsize businesses further cements their status as a reliable and knowledgeable insurance broker in the Camden, ME area.

Benecurv, based out of Camden, ME, offers a comprehensive and sophisticated approach to employer benefits, specializing in medical and ancillary benefits for local and regional employers. They have an impressive portfolio of clients, such as Davis Long Term Care Group in the nursing and residential care facilities industry, showcasing their adeptness in this sector. Their services are enhanced by a mobile insurtech platform, streamlining access, information, and support for employees and their families. This platform includes an easy-to-use mobile app, promoting clear understanding and communication of benefits. Additionally, Benecurv offers virtual primary care with cost-effective plans, enabling employees to access healthcare efficiently and affordably. The company provides robust support in navigating the complexities of healthcare systems and benefit selection, ensuring clients never overpay for medications and simplifying the open enrollment process. For HR teams, Benecurv lightens the load with an online benefits portal, comprehensive documentation, and one-on-one benefit counseling sessions. They ensure compliance with evolving State & Federal regulations and provide complimentary reviews of employee benefits to prevent non-compliance penalties. Their expertise extends to managing large group health plans with a focus on cost control and predictability. They also cater to small and mid-size businesses with flexible health reimbursement arrangements (HRAs). Benecurv's approach is rooted in risk management, identifying and mitigating risks within employer-sponsored plans. With over 30 years of experience in the insurance and employee benefits sector, their leadership team boasts a proven track record. They leverage advanced technology, like the Salesforce CRM platform, to enhance HR and benefits integration and use predictive modeling and analytics for transparent benefits plan management. Their service also includes on-demand access to essential benefits information, mobile engagement with employees, and easy access to wellness resources and telemedicine options.

Business Insurance Agency, situated in Augusta, ME, stands out as a reputable local brokerage firm with a strong focus on serving midsize employers. Their expertise particularly shines in the insurance carriers industry, where they have established themselves as a go-to resource for businesses seeking tailored insurance solutions. This is evident in their successful partnership with Maine Employers' Mutual Insurance Company, a notable client in the insurance carriers industry based in Maine, where they efficiently manage over 410 participants. One of the key strengths of this Business Insurance Agency location is their adeptness in handling self-funded clients. They excel in crafting strategies that are not only effective but also customized to meet the specific needs of local and regional employers. This capability demonstrates their commitment to providing personalized service and their deep understanding of the unique challenges and requirements faced by businesses in the region. Their team's experience with midsize employers is a testament to their ability to balance the complexities of larger organizational needs with the agility and personalized attention that midsize businesses require. This blend of skills ensures that each client receives a service that is both comprehensive and finely tuned to their specific circumstances. Overall, the Augusta-based Business Insurance Agency emerges as a competent and reliable partner for businesses seeking expert guidance in the insurance arena. Their local presence, combined with their industry-specific expertise, positions them as an ideal choice for employers looking for a trusted insurance advisor in the area.