Our Philosophy: "To provide our policyholders with as near perfect protection,as near perfect service, as is humanly possible, and to do so at the lowest possible cost." We are a full-service, independent agency. Call us today at 804-746-0950 to quote your personal or business insurance needs.

With great intent, we put service, advocacy, technology, and training into action – to be the preferred, trusted partner for insurance agents, carriers, and consumers. We are mindful and considerate to those we connect with every day and value and respect the people and partners who share our common purpose of health and wellness excellence.

Total Benefit Systems, Inc, based in Flint, MI, is a distinguished insurance broker operating from a larger office, emphasizing expertise in delivering comprehensive benefits solutions to both local and regional employers. With a specific focus on medical and ancillary benefits, this office location has demonstrated its commitment to understanding and meeting the diverse needs of businesses in the region. The broker's impressive portfolio includes successful collaborations with top clients such as Baker College Professional Services in educational services, Brighton Ford in the automobile dealers industry, and The Tobin Group in activities related to real estate. These partnerships, each with participant numbers ranging from 40 to 420+, underscore Total Benefit Systems, Inc's ability to navigate the intricacies of activities related to real estate, educational services, and automobile dealers industries, showcasing their versatility across various sectors. As a vital component of a local brokerage firm, Total Benefit Systems, Inc in Flint is deeply rooted in the community, providing localized support and understanding. Their demonstrated experience with midsize employers further positions them as a reliable and knowledgeable partner for employers seeking tailored benefits solutions to meet the unique needs of their workforce.

Brown & Brown delivers risk management solutions to help protect and preserve what our customers value most. Our three business segments—Retail, Programs and Wholesale Brokerage—offer a wide range of insurance solutions to businesses and individuals. We are one of the insurance industry’s most powerful and influential leaders, with a strong, deeply rooted cultural foundation built on integrity, innovation, superior capabilities and discipline. The Power of WE ignites our performance, and while diverse and varied in abilities and experience, we are all connected through our core values, a commitment to our local communities and a shared mission—always doing what is best for our customers. Brown & Brown is proud to be certified as a Great Place to Work®, and we are always actively looking for talented teammates who embrace our culture to join our winning team. Find us on the NYSE as BRO.