Koppinger & Associates is a team of dedicated and experienced advisors committed to helping clients better understand specific needs in protecting their business assets, reputation, and bottom line. They help their clients build strong organizations by driving growth and generating results with solutions that take their business to the next level.

Spectrum Benefits LLC, a regional insurance consultant based in Grand Rapids, Michigan, specializes in providing comprehensive insurance solutions to clients of large and midsize employers. Their office location in Grand Rapids is exemplified by their notable work with Huizenga Manufacturing Group, a major player in the management of companies and enterprises industry, employing 540 individuals. Spectrum Benefits LLC collaborated closely with the HR and finance team at Huizenga Manufacturing Group to establish a tailored self-funding arrangement, HMO plan, PPO plan, PBM, and drug plan that catered specifically to the unique needs of their members. With extensive experience working with self-funded employers, HMOs, PPOs, and specific pharmacy providers, Spectrum Benefits LLC possesses the knowledge and expertise to deliver optimal insurance solutions. Their impressive client portfolio at the Grand Rapids office includes companies such as Michigan Farm Bureau, T H Plastics Inc, and Wesco Inc, highlighting their ability to serve a diverse range of industries. Operating primarily in Michigan, Spectrum Benefits LLC serves clients across the state, offering their expertise and comprehensive insurance products. Their exemplary performance is reflected in their exceptional M Score, which is one of the highest possible due to their wide-ranging experience, industry knowledge, and expertise across client sizes and industries. Spectrum Benefits LLC boasts strong expertise in industries such as plastics product manufacturing, management of companies and enterprises, and support activities for crop production. Their commitment to delivering tailored insurance solutions, combined with their extensive industry knowledge, positions them as a trusted partner for employers seeking comprehensive coverage and expert guidance.

Among many advantages enjoyed by clients of VTC Insurance Group is the simple convenience of having a single source for every risk management need, regardless of scope or scale. We're honored to be the largest independent insurance and surety provider in Michigan, while serving clients in all 50 states. Our size also means we're better equipped to negotiate, on your behalf, the best-value coverage from top-rated carriers, with a broad menu of custom-tailored products. • Business Insurance • Surety Bonds • Employee Benefits • Personal Insurance • Strategic Risk Management • Coordinated Loss Control Services • Comprehensive Claims Management SIXTY YEARS OF UNIQUE SERVICE Since VTC Insurance Group was founded in 1957, a lot has changed. The economic landscape. Shifting regulatory and compliance forces. The sheer velocity of business, and of life. Of course, we’ve changed, too. Our company, our service lines, our carrier network, our technologies… all have expanded and improved. But from day one, the single most important factor driving that growth is the one thing that has never changed: our simple, person-to-person commitment to your success. We work hard on behalf of our customers. We anticipate their needs. And we keep our promises. Ours is a unique service philosophy. Every VTC associate is accountable to promises made, to meeting an urgent need with an urgent response, and to providing the trusted guidance that’s been our hallmark from day one. Guidance our clients count on to stay informed. Prepared. And confident for what’s next.