At Risk Strategies, we help our clients protect those things that matter most to them. We help them see the way forward in a complex world with specialty insight, practical advice, and custom insurance with a vast network of specialists in Property & Casualty, Employee Benefits, Private Client, as well as Consulting Services and Financial and Wealth Management solutions. We are a different kind of insurance brokerage – bringing a strategic, holistic, specialist approach to our clients, so they can face the future with confidence. We are the 9th largest privately held insurance broker in the US with over 30 specialty practices, 200+ locations, and 5,000 team members (and counting!). We love what we do, and it shows. For five straight years, we were named one of the Best Places to Work by Business Insurance. In 2024, we earned certification as a Great Place to Work. Risk Strategies is an Accession Risk Management Group company, a family of specialty insurance distribution and risk management companies powered by a shared vision of delivering a superior client and employee experience.

Fringe Benefit Specialists is a standalone employee benefits brokerage office based in Kirksville, Missouri. Its work centers on manufacturing employers of mid-size, where it places medical coverage and retirement plans. UnitedHealthcare is one example of the carriers it works with.

CBIZ's Saint Louis, Missouri office is part of the CBIZ organization and serves employer clients across healthcare and social services, professional business services, manufacturing, educational services, and real estate, rentals and leasing. Its book spans small, mid-sized and large employers. The office places self-funded arrangements alongside medical coverage delivered through PPO and HMO plans, prescription drug benefits, ancillary lines, retirement plans and mega wrap arrangements. Clients including STAFFCO and GRS Management Associates, Inc. are well rated by their employees for benefits. Example carriers include UnitedHealthcare, BCBS of TN and Cigna.

The CBIZ office in Kansas City, Missouri is part of the CBIZ organization. Its employer clients span healthcare and social services, manufacturing, professional business services, retail services and educational services, and range from small employers through mid-sized and large organizations. The office works across self-funded and fully insured arrangements, placing medical coverage on PPO and HMO platforms along with prescription drug and ancillary lines, and it also supports retirement plans. Its experience extends to mega wrap arrangements, collectively bargained groups and MEWA structures. Clients including Progressive Foam Technologies, Inc. and Blankenship CPA Group, PLLC are well rated by their employees for benefits. Example carriers placed by the office include UnitedHealthcare, Cigna and BCBS of Kansas City.

CQA Solutions' Saint Louis, Missouri office is part of the CQA Solutions organization. The office works primarily with mid-sized employers in healthcare and social services, manufacturing, and professional business services. Its work spans both self-funded and fully insured arrangements, with medical coverage and PPO plans alongside ancillary lines and retirement plans. Employer clients including Daugherty Systems Inc and NewGround International, Inc. are well rated by their employees for benefits. Example carriers placed by the office include Elevance, UnitedHealthcare and Cigna.

Caravus - St. Louis, MO is an employee benefits brokerage office located in Clayton, Missouri, operating as part of the parent firm Caravus. The office works with small, mid-sized and large employers across professional business services, financial activities, healthcare and social services, manufacturing and wholesale trade. Its work spans both self-funded and fully insured arrangements, with placement of medical coverage including PPO plans, prescription drug benefits and a range of ancillary lines. The office also supports retirement plans, mega wrap arrangements and collectively bargained benefits, and its book includes employers whose staff rate their benefits highly. Among those, clients including Sandberg, Phoenix & von Gontard P.C and Dema Engineering Co. are well rated by their employees for benefits. Example carriers placed by the office include UnitedHealthcare, Elevance and Health Alliance Plan.

Gallagher's St. Louis, Missouri office is part of the Gallagher brokerage network, serving employer clients across healthcare and social services, manufacturing, professional business services, financial activities and wholesale trade. Its book spans small, mid-sized and large employers. The office places self-funded arrangements alongside medical coverage structured as PPO and HMO plans, prescription drug benefits and ancillary lines, and it also works on retirement plans. Additional areas of experience include mega wrap arrangements, collectively bargained plans and MEWA structures. Employer clients including Vizion Health - Oklahoma, LLC and Barratt Asset Management LLC are well rated by their employees for benefits. Example carriers placed by the office include CIGNA, UnitedHealthcare and Elevance.

Avant Specialty Benefits' Kansas City, Missouri office operates as part of the broader Avant Specialty Benefits organization. The office works across manufacturing, professional business services, healthcare and social services, financial activities and construction, serving small, mid-sized and large employers. Its placements span self-funded arrangements and medical coverage, including PPO and HMO plans, along with ancillary lines and retirement plans. The office also works with mega wrap arrangements, collectively bargained plans and MEWA structures. Employer clients including ISN Software Corporation and J-Berd Mechanical Contractors, Inc. are well rated by their employees for benefits. Example carriers include UnitedHealthcare, Cigna and BCBS of Kansas City.

The St. Louis, Missouri office of WTW serves employer clients in financial activities, professional business services and retail services, working primarily with mid-sized and large employers. Its work spans self-funded arrangements, medical and HMO coverage, prescription drug benefits, ancillary lines and retirement plans. Clients including Battelle Savannah River Alliance, LLC and Alberici Group Inc. are well rated by their employees for benefits. Example carriers placed through the office include BCBS of SC, Elevance and Kaiser Permanente.