Full service insurance brokerage, helping our clients design and implement progressive and scalable insurance programs that help contain costs, provide exceptional benefits and properly inform employees about their wonderful benefit programs.

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.

McGriff Insurance Services, a reputable national insurance broker, operates an office in Frederick, Maryland. With a proven track record of serving large and midsize employers, McGriff Insurance Services has gained valuable experience in working with self-funded clients and delivering tailored solutions to meet their unique needs. The Frederick office of McGriff Insurance Services stands out through its collaboration with SMC Concrete Construction Inc., a prominent employer in the heavy and civil engineering construction industry with 130 employees. By closely partnering with the HR and finance team at SMC Concrete Construction Inc., McGriff Insurance Services successfully established a comprehensive HMO plan, as well as a PBM and drug plan specifically designed to cater to the distinct requirements of their members. McGriff Insurance Services boasts a diverse portfolio of employer clients, including Decisive Communications Inc., Signature Collision Centers LLC, Martins Caterers, and Miles & Stockbridge. This location serves clients throughout Maryland, providing them with comprehensive insurance coverage and expert guidance. With a wide range of industry expertise, McGriff Insurance Services excels in supporting businesses across various sectors. Notably, they possess strong proficiency in legal services, special food services, and personal care services industries. This extensive knowledge and experience have contributed to their favorable M Score, reflecting their ability to deliver exceptional service and tailored insurance solutions to clients of different sizes and industries. As a national insurance broker, McGriff Insurance Services remains committed to serving the insurance needs of businesses in Maryland and beyond. The Frederick office is dedicated to providing high-quality coverage options, personalized service, and industry-leading expertise to ensure that clients receive optimal protection and support.

Benefit challenges facing employers today are extremely complex. From analysis of benefits, to efficient enrollment, to regulatory/compliance issues, to containment measures and bottom line requirements, employers and human resource managers often need assistance to navigate through the benefit process. That’s why there’s Kelly Benefits. We save you time and money by allowing you to manage everything through one integrated resource. With our high-volume, honorable alliances with the region’s finest health, life, disability, dental and vision carriers, suppliers and brokers – Kelly Benefits ensures you the best benefits and services available. Our innovative technology enables us to provide a customized Total Benefits Solution® for employers of every size. At Kelly Benefits, the customer always comes first. Responsive and courteous Customer Service Representatives are readily available to answer any questions and offer assistance. Our commitment to quality service is further supported by our cutting-edge technology, providing online access to leading carriers, providers, benefits and rates. The combination of quality people and custom-designed web technology allows us to provide you with service around the clock.

Partners Together - Endless Possibilities Hilb Group provides the resources of a big insurance broker and the attentive, personal service of a small agency. Our people are our greatest strength. Our values of trust, passion, integrity and growth drive our actions to benefit every client. Managing Risk Your risk profile doesn’t matter – Hilb paints a very wide portrait. We have more than 30 industry specialties, which gives our clients and brokers a unique advantage. We form enduring partnerships to get the best results every time, and work with the top insurers to provide a huge range of high-quality choices, matched exactly to your needs. About Hilb Group Founded in 2009, Hilb Group is a Top 25 middle market independent insurance broker. Hilb Group offers expertise in property & casualty, employee benefits, and retirement services to business and individuals throughout the nation.

Benefit Watch, LLC is a highly regarded insurance broker serving clients throughout Maryland. With their office located in Baltimore, they specialize in providing exceptional customer service and expertise to a wide range of employers. Their dedication to client satisfaction is evident through positive reviews and testimonials. One notable success story involves their collaboration with Wireless Nation, an information industry employer with 170 members. Benefit Watch, LLC worked closely with their HR and finance team to establish a self-funding arrangement and a customized Preferred Provider Organization (PPO) plan that catered to the unique needs of their members. Benefit Watch, LLC boasts an impressive roster of employer clients, including Eneric Petroleum Corporation, NMP Engineering Consultants Inc, Tri Gas & Oil, and Wireless Nation. Their comprehensive knowledge and experience extend to various industries, such as securities and commodity contracts intermediation and brokerage, petroleum and petroleum products merchant wholesalers, and architectural, engineering, and related services. With a solid M Score, Benefit Watch, LLC has earned a reputation for delivering exceptional results across companies of different sizes. They excel in working with self-funded employers, leveraging their expertise to create effective insurance solutions. Their extensive experience and understanding of the industry enable them to provide reliable guidance and support to their clients. As a local insurance broker, Benefit Watch, LLC is dedicated to serving the insurance needs of the Baltimore community and beyond. Their commitment to excellence, coupled with their wide-ranging expertise, makes them a trusted partner for employers seeking comprehensive and tailored insurance solutions.

HUB International, a national insurance consultant, boasts a prominent office in Rockville, Maryland, where they have proven their exceptional skills in catering to diverse clients. With a commendable track record, they have collaborated with SBG Technology Solutions, an employer in the architectural, engineering, and related services industry, consisting of 100 members. Working closely with SBG's HR and finance teams, HUB International devised a comprehensive range of insurance solutions, including a self-funding arrangement, HMO plan, PPO plan, PBM, and drug plan, tailored precisely to meet the unique needs of their members. The Rockville location of HUB International showcases their extensive experience in handling self-funded clients adeptly. They exhibit a strong proficiency in working with HMOs, ensuring optimal solutions for clients. Furthermore, they have demonstrated expertise in collaborating with clients and PPOs to meet the specific requirements of members. Their knowledge and competence extend to PBMs and other specialized pharmacy providers, making them an all-encompassing insurance broker for organizations of all sizes, including large, midsize, and small employers. HUB International's clientele in the Rockville office includes esteemed companies like Abs Southeast LLC, Airline Tariff Publishing Company (ATPCO), American Society of Clinical Oncology, and Bcfs. The company's services extend beyond Maryland, reaching clients in Virginia, the District of Columbia, North Carolina, Texas, Pennsylvania, Florida, Indiana, and New Hampshire. Their stellar reputation is reinforced by an outstanding M Score, earned through their extensive experience and expertise in serving clients across various industries and product offerings. Reviews from satisfied clients consistently highlight HUB International's commitment to exceptional customer service and unwavering expertise. Their proficiency spans professional, scientific, and technical services, computer systems design, and health practitioners industries. As a trusted insurance broker, HUB International stands out for their exemplary service and dedication to client satisfaction.

Ficke & Associates, located in the bustling heart of New York, NY, stands out as a premier insurance broker catering to the diverse needs of local and regional employers. Specializing in medical and ancillary benefits, this office is a trusted ally for businesses seeking comprehensive employee coverage. With a wealth of expertise tailored to the nuances of the computer systems design and related services industry, Ficke & Associates has successfully served notable clients like Compunnel Software Group. This industry leader, based in NJ, entrusted Ficke & Associates with the well-being of its 2580+ participants. The broker's proficiency extends beyond mere transactions; it embodies a deep understanding of the unique challenges faced by businesses within the computer systems design sector. As an integral part of a local brokerage firm, Ficke & Associates distinguishes itself through a commitment to personalized service and a keen awareness of the intricacies of the regional business landscape. Their proven track record of delivering tailored solutions underscores their dedication to client success, making them an invaluable partner for employers navigating the complex terrain of employee benefits in the competitive New York market.

Cornerstone Real Estate is a local insurance broker based in Baltimore, Maryland. With a focus on serving clients of large and midsize employers, they offer comprehensive insurance solutions tailored to meet the unique needs of businesses in various industries. Located in Baltimore, Cornerstone Real Estate has successfully collaborated with a range of employer clients, including Suburban Hospital, a notable 240-member employer in the health care and social assistance industry. Working closely with the hospital's HR and finance team, Cornerstone Real Estate facilitated the implementation of a self-funding arrangement and a customized HMO plan designed specifically to address the unique needs of Suburban Hospital's members. Cornerstone Real Estate possesses strong expertise across multiple industries, including health care and social assistance, services to buildings and dwellings, and educational services. This diverse knowledge base enables them to offer specialized insurance solutions that cater to the distinct requirements of businesses in these sectors. While Cornerstone Real Estate has demonstrated a wide range of experience and expertise across client sizes and industries, it is worth noting that some customers have shared lower reviews. As part of the evaluation process when considering potential partners, it may be beneficial to investigate these reviews further. With clients spanning across Colorado, California, Georgia, Utah, and Minnesota, Cornerstone Real Estate extends its services beyond Maryland. Some of their employer clients at this location include Broadway Services, Inc., Howard County General Hospital, Johns Hopkins Bayview Medical Center Inc, and Johns Hopkins University at Eastern. Cornerstone Real Estate's M Score reflects their solid reputation, which is attributed to their extensive experience and commitment to delivering tailored insurance solutions to meet the diverse needs of their clients.

Golden & Cohen has been rated one of the top health benefits consulting companies in the Washington, D.C. metropolitan area for years because we provide access to the full spectrum of insurance products available in the marketplace today. We know that the relationship between an insurance broker and client is based entirely on trust and encourage our clients to consider these questions: Do you believe the broker has recommended the plan that really is the best for your business? Can you be sure the broker has negotiated the very best deal possible? And are you comfortable that the broker is providing you with accurate information on products for your company? Let us begin earning your trust today by calling for options and quotes: 866-330-0195. Here’s to your good health! • Stephanie Cohen, CEO: stephanie@golden-cohen.com • Scott Golden, CFO: scott@golden-cohen.com • Jack Cohen, COO: jack@golden-cohen.com