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.

Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement, and private client insurance solutions to organizations and individuals seeking limitless possibilities. With over 9,000 colleagues and 160 offices across the United States and Canada, MMA combines the personalized service model of a local consultant with the global resources and expertise of the world’s leading professional services firm, Marsh McLennan (NYSE: MMC). MMA generates more than $2 billion in annualized revenue, making it one of the largest brokerage operations in North America.

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.

Risk is a good thing. America was built by risk takers and you deserve to know you have a trusted risk management and insurance partner protecting you along your journey. We are committed to provide in-depth solutions for personal, farm and ranch, commercial insurance, and employee benefits. When you work with Blue Ridge Risk Partners we market your plan to multiple carriers to ensure you receive the best price and coverage in our network. You will be given a dedicated client services team that will serve as your guide to all the resources you need to make your company thrive. And while we do our best to mitigate risk, accidents do happen. Our dedicated claims department is here to handle all of your claims. Blue Ridge Risk Partners was founded in 2020 by three of the Mid-Atlantic region’s most established, respected, and thriving insurance agencies: Keller Stonebraker Insurance, Jim Lively Insurance, and Dyer Insurance Group. These three independent insurance agencies have lengthy track records of success and dedicated support to the communities they operate within. Each founding agency contributes unique capabilities and resources to Blue Ridge’s mission of delivering superior value by tailoring proactive insurance and risk management solutions to meet each of our client’s specific needs. We provide our clients tailored solutions, expert guidance, and industry-leading resources to meet their risk management and insurance needs. With an emphasis on integrity and excellence in service and while placing our clients' wishes and expectations as our highest priority, we strive to protect their businesses, employees, and families by creating proactive strategies today for tomorrow's needed solutions. With 21 offices and counting, licensed in 36 states and hundreds of carrier of options, Blue Ridge Risk Partners can provide solutions for nearly all of your insurance needs.

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.

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.

We are a full service employee benefits, actuarial, investment, and compensation consulting firm with over 40 years of experience providing consulting services to clients in the Public and Corporate Sectors, Nonprofit Organizations, as well as for the Federal Government. We build long-term partnerships with our clients by delivering understandable, insightful, and impactful solutions to complex benefits issues so that they can best manage future financial risks and provide valuable benefits to their employees.

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

Mid Atlantic Benefits Group, LLC. is a highly regarded local insurance consultant with an impressive track record of serving clients across Maryland, Virginia, District of Columbia, Delaware, Pennsylvania, North Carolina, and New Jersey. Renowned for their exceptional customer service and industry expertise, they have received rave reviews from satisfied clients. One notable success story from their Havre De Grace, Maryland office is their collaboration with SBG Technology Solutions, a prominent employer in the architectural, engineering, and related services industry. Mid Atlantic Benefits Group, LLC. worked closely with SBG Technology Solutions' HR and finance team to develop a comprehensive insurance package tailored to the unique needs of their 100 members. This included a self-funding arrangement, HMO plan, PPO plan, as well as a specialized pharmacy benefit management (PBM) and drug plan. With a diverse portfolio of clients, Mid Atlantic Benefits Group, LLC. has established itself as a trusted partner for large, midsize, and small employers alike. Their extensive experience across various industries, including computer systems design and related services, services (except public administration), and professional, scientific, and technical services, has positioned them as experts in the field. What sets Mid Atlantic Benefits Group, LLC. apart is their exceptional knowledge and expertise in serving self-funded clients. They excel in designing HMO plans, collaborating with PPOs to address member needs, and carving out drug and pharmacy plans. Their comprehensive understanding of these areas makes them a preferred choice for clients seeking tailored insurance solutions. With an impressive M Score, reflecting their extensive experience across different client sizes, industries, and products, Mid Atlantic Benefits Group, LLC. is committed to providing the highest level of service and expertise to their valued clients. Their Havre De Grace, Maryland office proudly serves employer clients such as Abs Southeast LLC, Anchor Construction Corporation, Cava Group Inc, and Colonial Parking, among others.