HP Planning, located in Worcester, MA, stands as a prominent regional insurance broker with a focus on providing comprehensive employer benefits solutions. Boasting a sizable office, their team exhibits robust expertise in tailoring insurance packages to meet the specific needs of both local and regional employers. With a specialization in medical and ancillary benefits, HP Planning has become a trusted partner for businesses seeking tailored solutions. This established office has successfully serviced a diverse clientele, showcasing their proficiency across various industries. Notable clients include Cadmus Holding Company, a leader in the professional, scientific, and technical services sector with over 400 participants; Central One Federal Credit Union, a key player in depository credit intermediation, serving 170+ participants; and T3 Expo, another professional, scientific, and technical services industry leader with 110+ participants. Part of a larger regional insurance broker firm, HP Planning brings a wealth of experience in dealing with midsize employers, demonstrating their commitment to delivering effective and scalable benefit solutions. Their track record reflects a keen understanding of the unique challenges faced by businesses, positioning them as a reliable partner in navigating the complex landscape of employer benefits.

USI Insurance Services, located in Worcester, MA, stands out as a seasoned insurance broker with a robust track record in catering to the diverse needs of self-funded clients. Specializing in employer benefits, this office prides itself on providing comprehensive support to local and regional employers. As a key player in the insurance landscape, they are part of a large national brokerage firm, ensuring access to a broad network of resources. The Worcester team's expertise spans multiple industries, including printing and related support activities, depository credit intermediation, and machinery, equipment, and supplies merchant wholesalers. Their proficiency in these sectors is exemplified by successful partnerships with prominent clients such as Brauns Express, a leader in general freight trucking with over 180 participants; Central One Federal Credit Union, a depository credit intermediation entity boasting 170+ participants; and Southworth-Milton, a machinery and equipment wholesaler with an extensive workforce of 1600+ participants. Notably, USI Insurance Services demonstrates a keen understanding of the needs of midsize employers, showcasing their commitment to tailoring insurance solutions to meet the unique challenges faced by businesses of this scale. With a client-centric approach and a wealth of experience, this office is well-positioned to navigate the complexities of the insurance landscape for the benefit of their clientele.

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.

Clark-Mortenson Insurance, situated in Keene, NH, is a notable entity in the insurance brokerage landscape, particularly known for its adept handling of midsize employer needs. As a substantial office within a local brokerage firm, they bring a wealth of experience and a personalized approach to their clientele. This office is renowned for its specialization in dealing with self-funded clients, showcasing their adaptability and knowledge in tailoring insurance solutions that align with unique employer requirements. Their expertise particularly shines in the real estate sector, where they have demonstrated significant proficiency. One of their top clients, National Field Representatives, is a key player in the activities related to real estate industry, based in New Hampshire, with over 160 participants. This collaboration highlights Clark-Mortenson Insurance's ability to handle complex and sizable accounts with finesse. The team at this office is equipped to provide comprehensive support to both local and regional employers. Their approach is not just about offering insurance solutions, but about building relationships and understanding the specific needs and challenges of each business they work with. This customer-centric attitude has earned them a reputation for reliability and thoroughness in their service delivery. Clark-Mortenson Insurance's Keene office stands out for its combination of local understanding and broad industry expertise. They are a go-to option for businesses seeking a partner who can offer in-depth knowledge, personalized service, and a strong focus on sectors like real estate. For employers in the region, this office presents a compelling choice for their insurance needs, backed by a team that is both experienced and dedicated to delivering results that matter.

Group Insurance Solutions, located in the bustling city of Boston, MA, operates from a sprawling office, epitomizing their extensive reach and influence. With a wealth of experience in catering to a diverse clientele, this insurance broker specializes in serving self-funded clients, offering invaluable insights into stop loss, limits, pharmacy costs, and HR consulting. Noteworthy is their impressive client portfolio, featuring industry leaders such as Amylyx Pharmaceuticals, a prominent player in pharmaceutical and medicine manufacturing with over 440 participants. Similarly, they've successfully partnered with Aspen Aerogels, a major player in miscellaneous manufacturing boasting 610+ participants, and CH Powell Company in freight transportation arrangement with 140+ participants. Group Insurance Solutions showcases remarkable expertise spanning various industries, including pharmaceutical and medicine manufacturing, hardware, and plumbing and heating equipment and supplies merchant wholesalers, and outpatient care centers. As a local brokerage firm, they bring a nuanced understanding of the regional market dynamics. This broker distinguishes itself with a track record of serving midsize, large, and small employers, demonstrating versatility and adaptability to the unique needs of businesses of different scales. Their commitment to excellence and local market insight positions them as a strategic partner for employer benefits buyers seeking comprehensive and tailored insurance solutions in the competitive landscape of Boston.

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.

Girard Financial Group, located in Worcester, MA, stands out as a trusted insurance broker with a robust focus on serving the insurance needs of local and regional employers. Specializing in medical and ancillary benefits, the office boasts extensive expertise in catering to the unique requirements of businesses in Worcester and its surrounding areas. With a strong track record, Girard Financial Group has successfully partnered with a diverse range of clients, including notable organizations such as Teamsters Local 170 Group Life Insurance Plan and Teamsters Local 170 Health and Welfare Fund. These clients, both in the general freight trucking industry, exemplify the firm's prowess in delivering tailored solutions to specific sectors. The Teamsters Local 170 Group Life Insurance Plan, boasting over 4610 participants, and the Teamsters Local 170 Health and Welfare Fund, with 1340+ participants, showcase the broker's ability to manage and provide for substantial employee groups. Girard Financial Group's specialization extends beyond individual clients to encompass a deep understanding of the general freight trucking industry as a whole. As a pivotal player in the local brokerage scene, this office is an integral part of a larger network, ensuring clients benefit from both localized insights and broader industry perspectives. Choosing Girard Financial Group means gaining a dedicated partner committed to navigating the intricacies of employer benefits with unparalleled proficiency and a focus on excellence.

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.

Smith Brothers, situated in Worcester, MA, emerges as a distinguished insurance broker with a keen focus on providing comprehensive benefits solutions to both local and regional employers. Specializing in medical and ancillary benefits, this Worcester-based office showcases a depth of expertise that caters to the diverse needs of businesses in the area. One of Smith Brothers' notable strengths is their successful collaborations with top customers in various industries. Consulting Engineering Services in architectural, engineering, and related services, Hy Labonne & Sons in the grocery and convenience retailers sector, and Intercommunity in outpatient care centers, each with participant counts exceeding 130, 150, and 310 respectively, highlight the broker's versatility and ability to navigate the intricacies of different business domains. As part of a regional insurance broker firm, Smith Brothers combines localized knowledge with the resources of a broader network. This strategy positions them as a reliable partner for employers seeking tailored and effective insurance solutions in Worcester, MA. With demonstrated experience in serving midsize employers and a proven track record across grocery and convenience retailers, architectural and engineering services, and outpatient care centers, Smith Brothers stands out as a go-to resource for businesses looking to enhance their employee benefits offerings.