Clark & Lavey has been an innovator in the employee benefits market space for more than twenty years, providing clients with effective, long-term solutions to meet their health plan needs. We work with clients to control their health plan spending and provide resources that play a critical role in their success, including best-in-class HR services for compliance, technology, employee development and retention, regulatory assistance, and much more. At Clark & Lavey, our dedicated team provides a wide array of impactful resources while maintaining the personalized attention of a small agency. Through the years, we have stayed true to that vision while collectively servicing over 10,000 employers and nearly 9 million employees, representing all major market segments. As a member of Hilb Group, Clark & Lavey provides the best of both worlds: local, personal service, and the national resources of a large broker. Clark & Lavey's benefits professionals often find ways to facilitate pricing advantages that other firms miss, especially through our group health captive solution. InCap®, Clark & Lavey’s proprietary group health captive, allows firms to band together in purchasing their employee health insurance, while still maintaining their individual control. There is safety in numbers, and the risk is spread across a much larger census, driving down renewal rates and reducing exposure to the disruption of big claims. Investment and underwriting profits are also returned to their bottom lines, a bonus unavailable to those in the fully-insured marketplace. The results have consistently been positive for InCap participants. In fact, one InCap participant had both lower renewal rates and received $368,848 back to its bottom line from the most-recent pool return of more than $1.5 million. In today's fast-paced global environment, you have more challenges and demands on your time than ever before. Clark & Lavey has your benefits solutions.

The Hilb Group's office in Manchester, NH, stands as a key player in the realm of employer benefits, leveraging its larger office to provide comprehensive solutions for local and regional businesses. With a focus on medical and ancillary benefits, this office is a valuable resource, showcasing expertise in navigating the complexities of the benefits landscape. Their success stories include partnerships with top clients like Devens Treatment & Recovery Center in the individual and family services industry and the National Restaurant Association in the religious, grantmaking, civic, professional, and similar organizations sector. Managing benefits for over 340 and 270 participants, respectively, in these diverse industries underscores The Hilb Group's ability to tailor programs to meet the specific demands of each sector. The office's broad expertise extends across religious, grantmaking, civic, professional, and similar organizations, as well as individual and family services industries. As part of a regional insurance broker firm, The Hilb Group in Manchester combines local insight with the strength of a larger organization, offering employers strategic guidance and tailored solutions. With demonstrated experience in serving midsize employers, this office is a reliable partner for businesses seeking effective and personalized employer benefit solutions.

HUB International, a national insurance consultant, operates an office in Manchester, New Hampshire, catering to clients throughout New Hampshire, Massachusetts, and New York. While some customers have expressed lower satisfaction, it presents an opportunity to scrutinize their services when evaluating potential partners. Notably, this office has successfully collaborated with Worldwide Tech Services, a prominent employer in the computer systems design and related services industry. They worked closely with the HR and finance team to establish a customized self-funding arrangement, HMO plan, PBM, and drug plan tailored to the unique needs of their 1080 employees. In addition to their work with Worldwide Tech Services, HUB International's Manchester office serves esteemed employer clients like Cantor Fitzgerald, Elliot Health System, Henry Heywood Memorial Hospital, and Microdesk. The office has garnered extensive experience in the local market, making them one of the top brokerages in the Manchester, NH area. With a wide range of expertise across different client sizes, industries, and products, HUB International boasts one of the highest M Scores attainable. HUB International excels in various sectors, including health care and social assistance, computer systems design and related services, and offices of real estate agents and brokers. Their strong experience in working with self-funded employers, expertise in HMOs and customized client solutions, as well as their proficiency with PBMs and specialized pharmacy providers, further demonstrate their capabilities in delivering tailored insurance solutions. As you assess potential partners, HUB International's extensive experience, industry expertise, and commitment to meeting unique client needs make them a compelling choice for insurance brokerage services in the New Hampshire, Massachusetts, and New York markets.

We understand that you are confronted with a vast selection of insurance providers and we are committed to being your final solution. We vow that our levels of service, knowledge and care will never waiver. Our experienced staff members will always guide you along your journey, one step at a time. Once a Rowley client, always a Rowley client. We promise quick and thorough problem solving, and guarantee our availability.

Granite Group Benefits, An Alera Group Company Granite Group Benefits is your single source corporate risk management firm. We and our strategic partners work together to provide you one place to find all of your commercial and group insurance solutions.

Csone is a highly experienced regional insurance consultant based in Concord, New Hampshire. They have a wide range of expertise working with clients of all sizes, including large, midsize, and small employers. Known for their exceptional knowledge and proficiency, Csone specializes in self-funded clients, HMOs, PPOs, and carving out drug and pharmacy plans. An excellent example of their work in the Concord market is their collaboration with Marquis Management, a building finishing contractors employer with 250 members. Csone partnered with their HR and finance team to develop a comprehensive insurance package that included a self-funding arrangement, HMO plan, PPO plan, and PBM and drug plan tailored to meet the unique needs of their members. Csone is recognized as one of the top brokerages in the Concord, NH market due to their extensive experience and expertise across different client sizes, industries, and insurance products. They consistently achieve one of the highest M Scores possible, reflecting their exceptional track record and commitment to providing outstanding service. With their office in Concord, Csone serves clients across multiple states, including Vermont, New Hampshire, Maine, Massachusetts, Wisconsin, Kentucky, Florida, Tennessee, Michigan, Missouri, and Georgia. They have established relationships with a range of notable employers, such as Afscme Council 93, Blue Cross & Blue Shield of Vermont, Brattleboro Memorial Hospital, and Brattleboro Retreat. Csone's strong expertise extends to various industries, including health care and social assistance, insurance-related activities, and individual and family services. Their vast knowledge and understanding of these sectors enable them to offer tailored insurance solutions that effectively address the unique challenges and requirements of their clients.

Combined Insurance Services, located in Concord, NH, stands out as a prominent and very large office within the regional insurance broker industry. Their expertise is notably diverse, covering a range of employer sizes from small to large, with a particular emphasis on midsize employers. This versatility allows them to adeptly handle the unique needs of various businesses. One of their key strengths lies in their substantial experience with self-funded clients. They offer invaluable insights into stop loss and limits, alongside a deep understanding of pharmacy costs and other HR consulting aspects. Such expertise makes them an excellent resource for employers seeking to navigate the complexities of these areas. The office's client portfolio is equally impressive, featuring top customers from various industries. Airmar Technology Corporation, a leader in the navigational, measuring, electromedical, and control instruments manufacturing industry based in NH, is one of their notable clients, with over 320 participants. Alene Candles, operating in the miscellaneous manufacturing sector and also based in NH, is another significant client, encompassing more than 490 participants. Additionally, they serve Amoskeag Health in the outpatient care centers industry, catering to over 240 participants in NH. Their broad expertise extends to individual and family services, educational services, and outpatient care centers industries, demonstrating their ability to provide tailored insurance solutions across different sectors. This Concord-based office of Combined Insurance Services is a strong contender for employers looking for a knowledgeable and experienced insurance broker that can offer specialized and comprehensive services tailored to a wide range of industries and employer sizes.

New England’s leading provider of employee benefits education, resources and networking opportunities The New England Employee Benefits Council (NEEBC) is the definitive leader in advancing knowledge and facilitating networking for employee benefit practitioners, consultants and service providers. NEEBC’s 1,250 members manage benefits for an estimated 2.5 million employees nationally. Member companies span multiple industries and range from small businesses to organizations with 50,000+ employees. NEEBC's programs help members stay current and compliant with changing regulations; optimize employee benefits programs to attract talent and improve health and wellness; and collaborate with other professionals. More than 2,000 individuals and 100 speakers participate in over 30 cutting-edge employee benefits programs annually. WHAT CAN NEEBC DO FOR YOU? Provide resources for you to become a successful expert and thought leader in your field Improve your company’s bottom line, policies and practices Share best practices and emerging trends in healthcare, technology, business, retirement, employee engagement and wellness Keep you abreast of laws, regulations and compliance issues Enhance your company’s ability to meet fiduciary responsibilities Empower more informed decision making to solve workplace issues quickly and accurately Offer opportunities for networking, professional development, mentoring, and collaborating with peers Get inspired – connect, learn, advance, succeed!

P&C Insurance, headquartered in Portland, ME, stands out as a reliable insurance broker specializing in employer benefits. With a robust focus on medical and ancillary benefits, this office location showcases a notable proficiency in catering to the unique needs of local and regional employers. Their extensive experience is particularly evident in their successful partnerships within the depository credit intermediation industry, exemplified by their noteworthy client, Saco & Biddeford Savings Institution. As a key player in this sector, P&C Insurance has effectively served this institution, boasting over 400 participants. What sets this location apart is its in-depth understanding of the depository credit intermediation industry. This expertise is not only reflected in their portfolio but also in their ability to navigate the complexities of this specific sector. Being a part of a local brokerage firm, P&C Insurance brings a personalized touch to their services, ensuring that clients receive tailored solutions that align with their unique requirements. Employers seeking a trusted insurance partner will find P&C Insurance's Portland, ME office to be a valuable resource, combining local insight with industry-specific knowledge to deliver comprehensive and effective benefit solutions.

P&C Insurance, headquartered in Portland, ME, stands out as a reliable insurance broker specializing in employer benefits. With a robust focus on medical and ancillary benefits, this office location showcases a notable proficiency in catering to the unique needs of local and regional employers. Their extensive experience is particularly evident in their successful partnerships within the depository credit intermediation industry, exemplified by their noteworthy client, Saco & Biddeford Savings Institution. As a key player in this sector, P&C Insurance has effectively served this institution, boasting over 400 participants. What sets this location apart is its in-depth understanding of the depository credit intermediation industry. This expertise is not only reflected in their portfolio but also in their ability to navigate the complexities of this specific sector. Being a part of a local brokerage firm, P&C Insurance brings a personalized touch to their services, ensuring that clients receive tailored solutions that align with their unique requirements. Employers seeking a trusted insurance partner will find P&C Insurance's Portland, ME office to be a valuable resource, combining local insight with industry-specific knowledge to deliver comprehensive and effective benefit solutions.