Northern Benefits, located in the vibrant business hub of Portland, ME, boasts a substantial and seasoned team, making it a pivotal player in the insurance brokerage landscape. This larger office has successfully catered to a diverse clientele, showcasing adeptness in working with self-funded clients and extending support to both local and regional employers. With an impressive portfolio, Northern Benefits has secured partnerships with industry leaders such as Everett J Prescott, a prominent player in the miscellaneous durable goods merchant wholesalers sector, Health Access Network in the offices of physicians industry, and HO Bouchard in the general freight trucking industry. Notably, these collaborations encompass a range of participant sizes, highlighting the broker's versatility in addressing the needs of businesses with 90 to over 130 participants. Northern Benefits' expertise spans various sectors, including activities related to real estate, printing, and related support activities, as well as individual and family services. As part of a regional insurance broker firm, this office excels in navigating the nuances of the insurance landscape for midsize, large, and small employers alike, showcasing a comprehensive and nuanced understanding of the varying needs within the business spectrum. Their demonstrated experience across employer sizes underscores their adaptability and commitment to delivering tailored insurance solutions.

Insurance Trust, located in Portland, ME, boasts a robust and expansive office, positioning itself as a prominent player in the insurance brokerage landscape. With a keen focus on serving local and regional employers, their expertise in the realm of medical and ancillary benefits stands out. The firm's extensive experience is evident in their diverse client portfolio, including notable names like Five County Credit Union, Insurance Trust, and Synergent, all leaders in the depository credit intermediation industry within Maine. With over 450 participants in their client base, Insurance Trust has established itself as a trusted partner in providing comprehensive insurance solutions. The firm's proficiency extends beyond mere numbers; they showcase a deep understanding of the unique challenges faced by depository credit intermediation industries. As a key player in a local brokerage firm, Insurance Trust leverages its regional insights to deliver tailored services that meet the specific needs of midsize employers. This larger office location underscores their commitment to excellence and signifies their capacity to handle the complex demands of employer benefits. Insurance Trust emerges as a reliable choice for businesses seeking a seasoned insurance broker with a proven track record in navigating the intricacies of the insurance landscape for midsize enterprises in the vibrant market of Portland, ME.

Clark & Lavey has been an innovator in the employee benefits market space for more than twenty years, providing clients with effective, long-term solutions to meet their health plan needs. We work with clients to control their health plan spending and provide resources that play a critical role in their success, including best-in-class HR services for compliance, technology, employee development and retention, regulatory assistance, and much more. At Clark & Lavey, our dedicated team provides a wide array of impactful resources while maintaining the personalized attention of a small agency. Through the years, we have stayed true to that vision while collectively servicing over 10,000 employers and nearly 9 million employees, representing all major market segments. As a member of Hilb Group, Clark & Lavey provides the best of both worlds: local, personal service, and the national resources of a large broker. Clark & Lavey's benefits professionals often find ways to facilitate pricing advantages that other firms miss, especially through our group health captive solution. InCap®, Clark & Lavey’s proprietary group health captive, allows firms to band together in purchasing their employee health insurance, while still maintaining their individual control. There is safety in numbers, and the risk is spread across a much larger census, driving down renewal rates and reducing exposure to the disruption of big claims. Investment and underwriting profits are also returned to their bottom lines, a bonus unavailable to those in the fully-insured marketplace. The results have consistently been positive for InCap participants. In fact, one InCap participant had both lower renewal rates and received $368,848 back to its bottom line from the most-recent pool return of more than $1.5 million. In today's fast-paced global environment, you have more challenges and demands on your time than ever before. Clark & Lavey has your benefits solutions.

The Hilb Group's office in Manchester, NH, stands as a key player in the realm of employer benefits, leveraging its larger office to provide comprehensive solutions for local and regional businesses. With a focus on medical and ancillary benefits, this office is a valuable resource, showcasing expertise in navigating the complexities of the benefits landscape. Their success stories include partnerships with top clients like Devens Treatment & Recovery Center in the individual and family services industry and the National Restaurant Association in the religious, grantmaking, civic, professional, and similar organizations sector. Managing benefits for over 340 and 270 participants, respectively, in these diverse industries underscores The Hilb Group's ability to tailor programs to meet the specific demands of each sector. The office's broad expertise extends across religious, grantmaking, civic, professional, and similar organizations, as well as individual and family services industries. As part of a regional insurance broker firm, The Hilb Group in Manchester combines local insight with the strength of a larger organization, offering employers strategic guidance and tailored solutions. With demonstrated experience in serving midsize employers, this office is a reliable partner for businesses seeking effective and personalized employer benefit solutions.

Havens & Company, based in Boston, MA, operates a sizable office with a demonstrated focus on catering to the unique needs of large employers. With a robust track record, this insurance broker has gained valuable experience in collaborating with self-funded clients, offering crucial support to both local and regional employers. One of the key strengths of this office is its extensive expertise in the hospitals industry. This is exemplified by their successful partnerships with renowned institutions such as Montefiore Medical Center in New York, boasting a participant count exceeding 12,330, and Uc Health in Ohio with over 6,310 participants. These collaborations underscore the broker's ability to navigate the complexities of the healthcare landscape and deliver tailored insurance solutions within the hospitals sector. As part of a local brokerage firm, this office benefits from a network that enhances its understanding of the unique dynamics of the Boston market. Their commitment to large employers is evident in their demonstrated experience working with notable clients. The broker's proficiency in serving the specific needs of large employers positions them as a valuable partner for businesses seeking comprehensive and tailored insurance solutions.

HUB International, a national insurance consultant, operates an office in Manchester, New Hampshire, catering to clients throughout New Hampshire, Massachusetts, and New York. While some customers have expressed lower satisfaction, it presents an opportunity to scrutinize their services when evaluating potential partners. Notably, this office has successfully collaborated with Worldwide Tech Services, a prominent employer in the computer systems design and related services industry. They worked closely with the HR and finance team to establish a customized self-funding arrangement, HMO plan, PBM, and drug plan tailored to the unique needs of their 1080 employees. In addition to their work with Worldwide Tech Services, HUB International's Manchester office serves esteemed employer clients like Cantor Fitzgerald, Elliot Health System, Henry Heywood Memorial Hospital, and Microdesk. The office has garnered extensive experience in the local market, making them one of the top brokerages in the Manchester, NH area. With a wide range of expertise across different client sizes, industries, and products, HUB International boasts one of the highest M Scores attainable. HUB International excels in various sectors, including health care and social assistance, computer systems design and related services, and offices of real estate agents and brokers. Their strong experience in working with self-funded employers, expertise in HMOs and customized client solutions, as well as their proficiency with PBMs and specialized pharmacy providers, further demonstrate their capabilities in delivering tailored insurance solutions. As you assess potential partners, HUB International's extensive experience, industry expertise, and commitment to meeting unique client needs make them a compelling choice for insurance brokerage services in the New Hampshire, Massachusetts, and New York markets.

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.

We understand that you are confronted with a vast selection of insurance providers and we are committed to being your final solution. We vow that our levels of service, knowledge and care will never waiver. Our experienced staff members will always guide you along your journey, one step at a time. Once a Rowley client, always a Rowley client. We promise quick and thorough problem solving, and guarantee our availability.