Adirondack Trust Co. Financial Services, situated in the vibrant heart of Albany, NY, offers a comprehensive suite of employee benefits solutions tailored to meet the diverse needs of local businesses. With a client roster that includes respected organizations such as SARATOGA CARE INC., Adirondack Trust Co. demonstrates a strong commitment to enhancing employee welfare and satisfaction. Their expertise spans a wide range of services, from health insurance to retirement planning, all designed to support the financial well-being of employees while addressing the strategic goals of employers. The firm prides itself on its personalized approach, ensuring that each client receives customized advice and solutions that align with their unique requirements. By fostering strong relationships and a deep understanding of the local business landscape, Adirondack Trust Co. Financial Services positions itself as a trusted partner in the pursuit of comprehensive and effective employee benefits strategies.

As part of the Arrow Family of Companies, Upstate Agency, LLC has been insuring individuals and businesses across the region for more than 50 years. Through our offices in Warren, Washington, Clinton, Essex and Saratoga counties, we provide our customers with high-level service that maximizes insurance protection for their personal, auto and home needs. Our experienced staff understands insurance and can find the right coverage for you. In addition, we provide customized business insurance as well as group health and employee benefits. We look forward to connecting with you on LinkedIn! We're here M-F 8 a.m. - 4 p.m. ET. For security purposes, please do not send account or personal information. Insurance products are offered through Upstate Agency LLC (South Glens Falls, NY). This agency is a non-bank subsidiary of the Arrow Financial Corporation family of companies and is licensed to sell insurance in New York State and act as an agent for issuing insurers. Insurance policies are obligations of the insurers that issue the policies.

Gallagher, a global insurance brokerage, risk management, and consulting firm, serves communities around the globe, helping clients address risk, protecting assets, and recovering from losses. The products and services we provide keep businesses and institutions running, and enable individuals and families to face their future with confidence. Gallagher provides retail and wholesale property and casualty brokerage, alternative risk transfer services, employee benefit consulting, and actuarial services. Gallagher also offers claims and information management, risk control consulting and appraisal services, human resource consulting, and retirement services. #BuildingConfidenceTogether Follow us on social: Instagram: http://instagram.com/gallagherglobal Facebook: http://www.facebook.com/GallagherGlobal Twitter: https://twitter.com/GallagherGlobal YouTube: https://www.youtube.com/GallagherGlobal

Welcome to Rose & Kiernan. For more than 145 years Rose & Kiernan, Inc. has been a leading general insurance agency in the Northeast, highly regarded for both our insurance expertise and our community involvement. Our mission is to provide high-quality, reputable insurance products, bonds, financial services, employee benefits and risk management products and services to business and industry, individuals and public and private organizations. While New York State, Connecticut and Rhode Island are our primary market areas, we provide insurance worldwide on behalf of many of our corporate clients. Find us online and follow us on social media to stay up to date with the latest from R&K: Web: www.RKInsurance.com Twitter: www.twitter.com/RoseAndKiernan Facebook: www.facebook.com/RoseAndKiernan

NFP is a leading insurance broker and consultant providing specialized property and casualty, corporate benefits, retirement, and individual solutions through its licensed subsidiaries and affiliates. NFP enables client success through the expertise of over 7,400 global employees, investments in innovative technologies, and enduring relationships with highly rated insurers, vendors, and financial institutions. NFP is the 5th largest benefits broker by global revenue, 5th best place to work in insurance and 6th largest US-based privately owned broker (Business Insurance); 9th commercial lines agency by P&C commercial lines revenue and 10th largest property and casualty agency (Insurance Journal); and 12th largest global insurance broker (Best’s Review).

HMS Agency, Inc., an esteemed insurance broker, operates an office in Albany, New York, catering to clients throughout the state. Renowned for their exceptional customer service and expertise, this office has garnered high praise from their satisfied clientele. A shining example of their capabilities is their successful collaboration with the County of Greene, a prominent employer in the public administration industry, comprising 400 members. Through close collaboration with the County's HR and finance team, HMS Agency, Inc. devised a tailored PPO plan, PBM, and drug plan specifically designed to meet the unique needs of the County's workforce. HMS Agency, Inc. boasts an impressive roster of employer clients, including County of Greene, County Waste of Virginia LLC, The Business Council Of New York State, Inc. Insurance Fund, and Mobile Air Transport. With a focus on serving large and midsize employers, the agency possesses extensive expertise across various industries, with a particular strength in public administration and general freight trucking. Throughout their tenure, HMS Agency, Inc. has demonstrated their profound understanding of client needs and an unwavering commitment to delivering optimal solutions. They have garnered significant experience in working with clients and PPOs to ensure that member requirements are met effectively. Positioned as a local insurance broker in Albany, New York, HMS Agency, Inc. is dedicated to serving their clients with professionalism and expertise, providing tailored insurance solutions that address the unique challenges faced by employers in today's dynamic business landscape.

Group Life Insurance is a reputable local insurance broker headquartered in Albany, New York. With a strong focus on serving self-funded employers, they have garnered extensive experience in providing tailored insurance solutions that best meet the needs of their clients. Their expertise extends to working with HMOs, collaborating closely with clients to ensure optimal coverage. Catering to clients of varying sizes, Group Life Insurance serves large, midsize, and small employers. Their client portfolio includes esteemed organizations such as Adjuvant Health, Albany Medical Center, Arnot Ogden Medical Center, and Healthcare Association of New York State (HANYS). This diverse range of clients attests to Group Life Insurance's ability to adapt and excel in different industries. Operating from their Albany office, Group Life Insurance extends their services to clients throughout New York State. They have established a strong reputation, earning a favorable M Score attributed to their extensive experience and expertise across different client sizes and industries. Group Life Insurance specializes in the health care and social assistance sectors, demonstrating a deep understanding of the unique insurance requirements within these industries. Additionally, they possess expertise in services (except public administration), further showcasing their ability to cater to a broad range of clients. With their wealth of experience, dedication to client satisfaction, and strong industry knowledge, Group Life Insurance is a trusted insurance broker for employers in New York. Whether it's navigating self-funding arrangements, optimizing HMO plans, or collaborating with PBMs and pharmacy providers, Group Life Insurance strives to provide comprehensive and customized insurance solutions for their clients.

Bouchey & Clarke Benefits is now a One Digital Company! Our talented staff continues to provide full service brokerage, consulting & benefits administration, offering your company and your employees value-added services and products to save you, your company, and your employees time and money. We specialize in customer service. With our relentless, fresh-thinking and creative strategies, our focus is on you and your employees satisfaction and value. Our goals are simple: 1. Save you and your employees significant time and money 2. Improve product offerings with unbiased research 3. Offer additional cost savings through total review of all plans 4. Enhance employee attitudes by offering proper product mix 5. Ensure our Clients' daily service & satisfaction Through our partnership with One Digital, we all strive to enhance our clients' employee benefits by offering the widest selection of plans available in today’s complex insurance arena. 1. Tax savings for employers and employees 2. Increased employer cost control 3. Increased employee benefit choices 4. Benefits which attract and retain employees 5. Increased employee morale For more information, please call Matt Clarke, Principal, at 518.720.8888 or visit www.onedigital.com/team/troy-ny/ Main Office: 1819 Fifth Avenue P.O. Box 1616 Historic Downtown Troy Troy, NY 12181 Tel: 518.720.8888

Nelligan's Albany, NY office stands as a prominent hub within their network, boasting a substantial presence as one of the larger offices in their regional insurance broker firm. Specializing in catering to the unique needs of employers, this location has proven expertise in servicing both self-funded clients and a diverse range of local and regional businesses. With a track record that spans across various industries, Nelligan has demonstrated prowess in supporting clients such as Apple Rubber Products, Guardian Service Industries, and Schneider Packaging Equipment Company, each representing different sectors with participant counts ranging from 30 to 150+. What sets this office apart is its extensive experience working with midsize and large employers, showcasing a nuanced understanding of the challenges and requirements unique to these organizations. Their proficiency extends across sectors such as building finishing contractors, legal services, and grocery and convenience retailers. Nelligan's commitment to excellence is evident through their ability to navigate the intricacies of employer benefits for clients of diverse scales, underlining their versatility and reliability in the competitive insurance brokerage landscape. Employers seeking a seasoned partner with a proven track record in the Albany region will find Nelligan's office to be a strategic ally in navigating the complexities of employee benefits.

Council Services Plus, a local insurance broker based in Albany, New York, specializes in providing insurance solutions to midsize employers across a range of industries. With a strong focus on meeting the unique needs of their clients, Council Services Plus has developed a reputation for their expertise in the home health care services sector. One notable example of their work is their collaboration with Consumer Directed Choices, a prominent employer in the home health care services industry with 120 members. Council Services Plus worked closely with the HR and finance team of Consumer Directed Choices to develop a tailored preferred provider organization (PPO) plan that specifically addressed the needs of their members. This customized approach ensured that employees had access to comprehensive coverage and healthcare services that met their specific requirements. Located in Albany, Council Services Plus primarily serves clients across New York, utilizing their local presence to have a deep understanding of the insurance landscape in the state. Their expertise in the home health care services industry allows them to provide valuable insights and customized solutions to employers in this sector. While Council Services Plus has a strong track record in delivering tailored insurance solutions, it is worth noting that several customers have expressed lower reviews. Evaluating customer feedback is important when considering potential partners, and it may be worthwhile to investigate these concerns further to ensure they align with your needs and expectations. Council Services Plus is committed to assisting midsize employers in securing comprehensive insurance coverage, particularly within the home health care services industry. Their local expertise, customized solutions, and dedication to meeting client needs make them a valuable partner for businesses seeking insurance solutions in Albany, New York.