Trusted Total Rewards Providers. BETTER BENEFITS. BETTER PEOPLE. BETTER FOR YOUR BUSINESS. We take a personal approach to help you make professional decisions. The landscape of communication has evolved. Using technology to our advantage, in consideration of Individual preference and circumstances, you can be assured that The Richards Group will be there for you. A key component to every successful business is its ability to find and retain great employees. they’re the ones that help keep your business moving every day. One of the best ways for you to do this is to offer your employees a competitive benefits package as a form of compensation. With a staff of 36 in our Total Rewards Division, we have robust capabilities to well serve clients throughout Vermont & New Hampshire. At The Richards Group, we understand how important it is to strike the balance between what you provide for your employees and how it affects your company’s bottom line. With our Total Rewards offerings, we’ll work with you as a partner and extension of your team. We’ll develop a comprehensive and affordable Total Rewards program that will give you a strong, competitive edge. As the region's leading resource to help you understand the effects of healthcare reform and its' implications, we're here to help. Our strategy is uniquely focused to help make your organization a Best Place to Work. The Richards Group and many of our clients hold this endorsement. Using a steering wheel approach, we pilot our clients 360 degrees navigating risk management, compliance, worksite wellness, human resources, payroll, and leadership development. What sets us apart: 3rd Generation; Locally owned; Independent; One-stop for Benefits, Business Insurance, and Retirement Planning.

Hub International's Manchester, New Hampshire office operates as part of Hub International. Its employer clients concentrate in healthcare and social services and professional business services, and the office works primarily with mid-sized and large employers. The office places self-funded arrangements alongside medical coverage, ancillary lines and retirement plans. Example carriers include Aetna, Anthem BCBS and Cigna.

OneDigital - Boston, MA operates from Beverly, Massachusetts as part of the OneDigital organization. The office works with small, mid-sized and large employers, with industry concentrations in healthcare and social services, financial activities, manufacturing, and real estate, rentals and leasing. Its work spans self-funded arrangements and fully insured medical coverage across PPO and HMO plan designs, along with prescription drug benefits, ancillary lines and retirement plans. The office also handles mega wrap structures and collectively bargained arrangements. Employer clients including Wasabi Technologies LLC and ORNL Federal Credit Union are well rated by their employees for benefits. Example carriers placed by the office include BCBS of MA, Cigna and Harvard Pilgrim Health Care.

New England Employee Benefits' Concord, New Hampshire office is part of the New England Employee Benefits organization. Its work centers on mid-sized employers in financial activities, manufacturing, restaurants, bars and accommodation services, and retail services. The office places both self-funded and fully insured arrangements, with medical coverage structured as PPO and HMO plans, along with prescription drug benefits, ancillary lines, retirement plans and mega wrap arrangements. Employer clients including Eastern Metal Building Products LLC and Granite VNA, Inc. are well rated by their employees for benefits. Example carriers include CIGNA, Anthem BCBS and Harvard Pilgrim Health Care.

CGI Business Solutions - Boston, MA operates from Beverly, Massachusetts as part of CGI Business Solutions. The office works with employer clients in healthcare and social services, manufacturing, professional business services, retail services and educational services, spanning small, mid-sized and large employers. Its work covers both self-funded and fully insured arrangements, with medical placements including PPO, HMO and prescription drug coverage, alongside ancillary lines and retirement plans. The office also handles mega wrap and collectively bargained plan structures. Employer clients including S.L. Chasse Welding & Fabricating, Inc. and Eastern Metal Building Products LLC are well rated by their employees for benefits. Example carriers include Harvard Pilgrim Health Care, Anthem BCBS and Cigna.

USI Insurance Services - Manchester, NH operates from Bedford, New Hampshire as part of USI Insurance Services. The office works with mid-sized employers across wholesale trade, financial activities, healthcare and social services, and professional business services. Its work spans self-funded arrangements, medical and PPO coverage, prescription drug benefits, ancillary lines and retirement plans. Employer clients including Plumb House, Inc. are well rated by their employees for benefits. Example carriers include BCBS of MA, Aetna and Anthem BCBS.

Strategic Benefit Solutions - Boston, MA is an office of Strategic Benefit Solutions, located in Burlington, Massachusetts. Its work centers on religious and non-profit organizations, and it serves mid-sized employers. The office places self-funded arrangements alongside medical, PPO and prescription drug coverage, ancillary lines and retirement plans, and it works with collectively bargained groups. Employer clients including Duck Creek Technologies, LLC are well rated by their employees for benefits. Example carriers include Anthem BCBS, BCBS of MA and Prudential.

Clark & Lavey Benefits Solutions, Inc. - Manchester, NH operates from Merrimack, New Hampshire as part of Clark & Lavey Benefits Solutions, Inc. The office works with mid-sized employers in educational services, placing medical coverage along with ancillary lines and Mega Wrap arrangements. Example carriers include Anthem BCBS.

The Hilb Group - Manchester, NH is an employee benefits brokerage office located in Merrimack, New Hampshire, operating as part of The Hilb Group. Its work centers on healthcare and social services employers, primarily mid-sized organizations, for whom it places medical coverage and ancillary lines alongside retirement plans and Mega Wrap arrangements. The Hartford is one example of the carriers it works with.

Sentinel Group's Boston-area office, located in Wakefield, Massachusetts, operates as part of the broader Sentinel Group organization. The office works with mid-sized and large employers across financial activities, healthcare and social services, professional business services, retail services and construction. Its work spans both self-funded and fully insured arrangements, with medical coverage placed through PPO and HMO designs, along with prescription drug benefits and ancillary lines. The office also handles retirement plans and mega wrap arrangements. Employer clients including Perinatal Associates of New Mexico Ltd and International Cars, Ltd., Inc. are well rated by their employees for benefits. Example carriers include BCBS of MA, UnitedHealthcare and Harvard Pilgrim Health Care.

Gallagher's Boston, Massachusetts office, located in Wakefield, operates as part of the Gallagher brokerage network. It works with small, mid-sized and large employers across professional business services, healthcare and social services, manufacturing, financial activities and wholesale trade. The office places self-funded arrangements alongside medical coverage structured as PPO and HMO plans, prescription drug benefits and ancillary lines, and it also handles retirement plans, mega wrap arrangements and collectively bargained programs. Employer clients including Romanow, Inc. and Deciphera Pharmaceuticals, LLC are well rated by their employees for benefits. Example carriers placed through this office include BCBS of MA, Cigna and UnitedHealthcare, among others.

The Manchester, New Hampshire office of Alera Group serves employer clients across manufacturing, construction, educational services, healthcare and social services, and real estate, rentals and leasing, working primarily with mid-sized and large employers. Its work spans self-funded arrangements and medical coverage placed through PPO and HMO plan designs, along with prescription drug benefits, ancillary lines, retirement plans and mega wrap programs. The office's book includes employers whose staff rate their benefits highly, among them Waterline Industries Corporation. Example carriers include Anthem BCBS, Harvard Pilgrim Health Care and BCBS of MA.