James P Reagan Agency Inc is an insurance company based out of 125 Wolf Rd, Albany, New York, United States.

Welcome to Lavoro Group—an employee benefits broker and human resources consulting firm for the Rochester and Syracuse region. Lavoro, in Italian, means to work. We work hard to help small to mid-size businesses find solutions for their employee benefit needs, including group medical, life, dental and disability insurance. Ask us today how we can put your precious insurance dollars to work.

At Mercer, we believe in building brighter futures. Together, our 25,000 employees in over 130 counties are helping redefine the future of work, reshape retirement and investment outcomes, and unlock real health and well-being. For over 75 years, we’ve provided trusted advice and solutions to build healthier and more sustainable futures for our clients, colleagues and communities. Balancing economics and empathy in our approach, we work side by side with you to find solutions to benefit your people and your business. By turning ideas into actions that spark positive change, we help you enrich employees’ lives and careers and drive innovation, progress and performance. Mercer is a business of Marsh McLennan. Get to know us better: Click the “learn more” button at the top of the page to discover everything we do to help you meet the needs of today and tomorrow. Follow us on Twitter at @Mercer.

For more than a century, Tompkins Insurance Agencies has been helping families and businesses with insurance strategies and solutions to protect their assets and manage risk. Founded in 1875, we provide a full range of personal and commercial insurance and employee benefits products and services across New York and Pennsylvania. We have established strong relationships with 50+ leading regional and national insurance carriers, which enables us to find the right combination of coverages to meet our customers’ specific needs, at the right price. At the heart of our business is our commitment to our customers, our employees and the communities we serve. *Email and LinkedIn messaging can be useful tools for transmitting information of a general nature. However, since they are not generally not encrypted or secure, please remember not to disclose sensitive information such as account numbers or social security numbers in any emails, messages or wall posts. Tompkins Insurance shares insurance industry-related articles for informational purposes only. This information is not a policy and is meant only as a general explanation of some typical insurance concepts. It should not be construed as a legal interpretation of coverages or of the insurance policies that can be written for you. Please refer to your specific insurance contracts for details on coverages, conditions and exclusions, and check with your local Tompkins Insurance advisor for specific regulations in your state. Tompkins Insurance is licensed to conduct business in all 50 states.

At Brown & Brown, our guiding principles include building our team with the highest quality people and delivering innovative solutions and superior service. If you are a highly complex multinational company, an individual or anything in between, our experienced teams can help you view, analyze and purchase insurance efficiently. You will receive the personalized, dedicated service you deserve while leveraging the exceptional capabilities and peace of mind expected from a top brokerage to help protect what you value most.

Kafl is an experienced insurance broker catering to clients of large and midsize employers. With their office based in Rochester, New York, Kafl has established itself as a trusted local partner in the insurance industry. They have extensive knowledge and proficiency in working with self-funded employers, offering valuable insights and solutions tailored to meet their unique requirements. Additionally, Kafl boasts a commendable track record in collaborating with pharmacy benefit managers (PBMs) and other specific pharmacy providers, ensuring comprehensive coverage for their clients. One noteworthy accomplishment of Kafl is their successful partnership with Caf USA Inc, a prominent employer in the fabricated metal product manufacturing industry. By closely collaborating with Caf USA Inc's HR and finance team, Kafl assisted in establishing a self-funding arrangement, PBM services, and a custom drug plan specifically designed to address the needs of their 310 employees. This collaborative effort exemplifies Kafl's dedication to providing tailored solutions that prioritize their clients' well-being. Kafl's expertise extends to various industries, particularly in steel product manufacturing, purchased steel, and fabricated metal product manufacturing. Their wide range of experience and knowledge across diverse client sizes and industries has earned them a favorable M Score, a testament to their reliability and proficiency. Servicing clients throughout New York, Kafl's Rochester office serves notable employers such as Bonadio & Co. LLP, Pinnacle Investments, LLC, The Business Council Of New York State, Inc. Insurance Fund, and other respected organizations. With their localized presence and expertise, Kafl is well-equipped to address the insurance needs of businesses across the state, offering personalized services and industry-specific insights to ensure optimal coverage and risk management.

Bond Financial Network, a local insurance consultant with an office in Pittsford, New York, is highly regarded for their exceptional customer service and expertise. They proudly serve clients in New York and Ohio, offering comprehensive insurance solutions tailored to the needs of large, midsize, and small employers. An excellent example of their expertise can be seen in their work with Faac Inc/Arotech, a 390-member employer in the architectural, engineering, and related services industry. Bond Financial Network collaborated with their HR and finance team to establish a self-funded arrangement, HMO plan, and PBM and drug plan, specifically designed to meet the unique needs of Faac Inc/Arotech's members. With a diverse portfolio of employer clients, including 2495 Bonadent Dr, AmeriCU Credit Union, Buffalo Medical Group, and Faac Inc/Arotech, Bond Financial Network demonstrates their ability to serve a wide range of industries and client sizes. Bond Financial Network has earned one of the highest M Scores possible, showcasing their extensive experience and expertise across various industries and insurance products. Their strong knowledge base extends to sectors such as health care and social assistance, services (except public administration), and architectural, engineering, and related services. Although specific details about ratings or other aspects are not provided, Bond Financial Network's positive client reviews attest to their commitment to delivering excellent service and industry-leading insurance solutions. Whether it's working with self-funded employers, navigating PPO plans, or collaborating with PBMs and pharmacy providers, Bond Financial Network's expertise and experience make them a trusted partner for businesses seeking comprehensive insurance coverage and tailored solutions.

Smola Consulting LLC is a highly regarded insurance broker specializing in serving large and midsize employers. With a local office in Rochester, New York, this brokerage firm has built a solid reputation for providing exceptional customer service and expertise to its clients. They have garnered positive reviews from satisfied clients who value their professionalism and industry knowledge. One notable example of Smola Consulting LLC's work is their collaboration with Abvi-Goodwill Industries of Greater Rochester Inc, a prominent employer in the vocational rehabilitation services industry with 550 members. Smola Consulting LLC partnered with their HR and finance team to develop a tailored pharmacy benefit management (PBM) and drug plan that catered to the unique needs of their members. This demonstrated their ability to understand and address the specific requirements of different industries. Smola Consulting LLC boasts extensive experience and expertise in various sectors, including home health care services, architectural and engineering services, and vocational rehabilitation services. Their clients span across Ohio, and notable employers they serve include Lidestri Foods Inc, Mary Cariola Children's Center Inc, and Visiting Nurse Service of Rochester and Monroe County Inc. The success and credibility of Smola Consulting LLC are reflected in their impressive M Score, which highlights their wide-ranging industry knowledge and proficiency in catering to diverse clients of varying sizes. Whether it's providing comprehensive insurance solutions or offering guidance on PBMs and specific pharmacy providers, Smola Consulting LLC is committed to delivering exceptional results for their clients in Ohio and beyond.

Relph Benefit Advisors is a reputable national insurance consultant, serving clients across New York, Pennsylvania, and Wisconsin. While some customers have expressed lower reviews, it presents an opportunity to address any concerns when evaluating potential partners. A noteworthy example of their work at this office location is their collaboration with Lactalis American Group, Inc., a prominent employer in the dairy product manufacturing industry. By collaborating closely with Lactalis American Group, Inc.'s HR and finance team, Relph Benefit Advisors successfully established a self-funding arrangement, along with a PPO plan, PBM, and drug plan tailored to the unique needs of the company's 1400 members. This demonstrates their ability to provide customized solutions that address the specific requirements of their clients. Relph Benefit Advisors caters to a wide range of clients, including large, midsize, and small employers. Their diverse client portfolio at this Rochester, NY location includes Access: Supports for Living, Alfred University Human Resources Services, Allegany Arc Welfare Benefits Plan, and Arc of Rockland. As a leading brokerage in the Rochester, NY market, Relph Benefit Advisors has earned an excellent reputation, thanks to their extensive industry experience and expertise across various client sizes, industries, and products. They possess deep knowledge in individual and family services, educational services, and the health care and social assistance sectors. Relph Benefit Advisors stands out for their exceptional capabilities in working with self-funded clients and their proficiency in collaborating with clients and PPOs to meet member needs. Moreover, their expertise in carving out drug and pharmacy plans sets them apart from other brokers in the market. When searching for a reliable insurance consultant, consider Relph Benefit Advisors' comprehensive expertise, high client satisfaction, and commitment to delivering tailored solutions.

Novam Benefits in Rochester, NY, distinguishes itself as a premier insurance broker, specializing in employer benefits with a keen focus on medical and ancillary coverage. With a wealth of experience catering to local and regional employers, this office has emerged as a trusted advisor in the complex landscape of employee benefits. At the core of Novam Benefits' success is its tailored approach to client needs. Demonstrating notable proficiency, the team has cultivated expertise in servicing diverse industries, including medical equipment and supplies manufacturing and computer systems design. This specialization ensures that clients, such as Ehealth Global Technologies and Syntec Optics, both industry leaders in their respective sectors, benefit from finely tuned benefit packages. This Rochester-based branch is an integral part of a local brokerage firm, contributing to a collaborative and community-oriented ethos. With a track record of managing programs for companies with 150+ participants like Ehealth Global Technologies and 90+ participants like Syntec Optics, Novam Benefits has proven its ability to handle the intricate requirements of businesses of varying sizes. In summary, Novam Benefits in Rochester, NY, stands out for its local expertise, industry-specific knowledge, and a commitment to tailoring comprehensive benefits solutions that align seamlessly with the unique needs of each client.