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

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.

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.

Manchester Benefits Group, located in Poughkeepsie, NY, is a reputable insurance broker specializing in employer benefits. With a strong focus on medical and ancillary benefits, this office location has established itself as a trusted partner for local and regional employers. One of their notable strengths lies in their expertise across various industries, with a particular emphasis on serving businesses in the miscellaneous nondurable goods merchant wholesalers sector. A prime example of their successful partnerships in this field is Puig North America, a prominent player in the industry, boasting over 260 participants. Manchester Benefits Group has effectively tailored insurance solutions to meet the unique needs of Puig North America and other similar businesses. Being part of a local brokerage firm, Manchester Benefits Group combines the advantage of a deep understanding of the local market with the resources and capabilities of a larger organization. This strategic positioning allows them to offer comprehensive and customized benefit solutions that cater to the specific requirements of their clients. Employer benefits buyers evaluating Manchester Benefits Group's Poughkeepsie office can be confident in their ability to deliver tailored, cost-effective insurance solutions that meet the diverse needs of employers in the region. With a track record of excellence in servicing clients across various industries, Manchester Benefits Group is a trusted partner for businesses seeking reliable and effective benefit solutions.

Lakeshore Benefit Group Insurance, operating from their office in Canton, Connecticut, is a trusted regional insurance broker serving clients across New Jersey and Maryland. With a strong focus on large and midsize employers, Lakeshore Benefit Group Insurance offers a comprehensive range of insurance services tailored to meet the unique needs of their clients. One notable example of their expertise is their work with Autumn Lake Healthcare, a prominent employer in the health care and social assistance industry with over 4,220 members. The Lakeshore team collaborated closely with Autumn Lake Healthcare's HR and finance departments to establish a self-funding arrangement specifically designed to address the healthcare needs of their members. In addition to their work with Autumn Lake Healthcare, Lakeshore Benefit Group Insurance serves other notable employer clients such as Bd Tees Asbestos Wrks L 24 Medical Fund, I.B.E.W 269 Supplemental Fund, and Ibew Loc.456 Health & Welfare Fund. Their broad industry knowledge and extensive experience allow them to provide tailored insurance solutions to diverse sectors, including building equipment contractors, specialty trade contractors, and insurance and employee benefit funds. Lakeshore Benefit Group Insurance has established a stellar reputation, evidenced by their impressive M Score, which reflects their expertise and successful track record across different client sizes and industries. Whether it's designing custom self-funding arrangements or providing comprehensive insurance services, Lakeshore Benefit Group Insurance is committed to delivering exceptional value and peace of mind to their clients.

AssuredPartners is a national insurance broker with a branch situated in Torrington, Connecticut. With a focus on serving midsize and small employers, AssuredPartners brings a wealth of experience to the table, particularly in working with self-funded employers. While a few customers have expressed lower satisfaction levels, it is worth investigating this aspect when evaluating potential partners. In the Torrington office, AssuredPartners has established itself as one of the leading brokerages in the region. Notably, they have successfully collaborated with Stone Harbor Investment Partners Lp, a 70-member employer operating in the financial investment activities industry. By partnering closely with Stone Harbor's HR and finance team, AssuredPartners developed a tailored self-funding arrangement to address the unique needs of the company's members. AssuredPartners' expertise extends beyond a single industry, as they possess strong proficiency in financial investment activities and management of companies and enterprises. Their services cover a wide range of clients in New York, including prominent employers like MSD Capital, Everest Operations Management LLC, and Stone Harbor Investment Partners Lp. As potential partners, AssuredPartners' Torrington office showcases their ability to deliver customized insurance solutions and effectively cater to the needs of diverse clientele. However, it is advisable to consider the feedback from a subset of customers who have expressed dissatisfaction to ensure a comprehensive evaluation

Marshall & Sterling Insurance, Inc., founded in 1864, is among the largest privately owned insurance agencies in the United States, with total written premiums in excess of $1 billion. An employee-owned company with more than 550 insurance specialists, Marshall & Sterling maintains a national presence, is licensed throughout the nation* and the U.S. Virgin Islands, and is well positioned to serve the requirements of international clients. Marshall & Sterling is a leading broker for all lines of business and personal insurance, specialty risks including bonds, and employee group benefits, specializing in public entities, schools, campgrounds, the hospitality industry, manufacturers, professional and directors and officers liability, health care, construction, specialty programs, workers’ compensation and crime/bond. Marshall & Sterling has direct and preferred relationships with the leading insurance companies, providing clients with the broadest and most competitive programs available in the industry. According to a ranking by the Insurance Journal, Marshall & Sterling is currently ranked 32nd among more than 40,000 privately-held insurance agencies in the U.S. and is ranked among the top performers in the annual Best Practices Study conducted by the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) and Reagan Consulting. Follow Link to View Disclaimer: www.marshallsterling.com/linkedin-disclaimer

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

Austin & Co., Inc. is a private, independent business insurance and employee benefits consultant/broker. We continue to expand our knowledge, innovative services, and relationships with leading partners in order to be our client’s go-to resource for business insurance, employee benefits, HR consulting and HR/benefits technology. As trusted advisors and experts, we operate with integrity and efficiency, and are committed to providing the highest level of service and advice to you. We work with employers every day to provide first-class service, manage risks, make life easier, and improve efficiency. Since 1853, Austin & Co. has remained an independent agency and has proudly developed a sophisticated practice area in educational institutions as well as professional and non-profit organizations. Our niche focus enables us to provide our clients with marketplace and service advantages not available elsewhere. We are honored to have been selected as a Best Practices Agency since 1995. A privilege extended to only 195 independent agencies throughout the US. This award endorses our first-class client service and operating efficiency, but what is more important is that our clients and employees will continue to see the positive impacts of our success and stable future. Please visit https://austinco.aleragroup.com/privacy-policy/ to view Austin & Co.’s disclaimers and privacy policy.

Gallagher's Albany, NY office stands out as a formidable player in the insurance brokerage landscape, boasting a robust team and a wealth of experience. As part of a prominent national insurance brokerage firm, this larger office has established itself as a trusted partner for employers in the region. With a focus on serving both local and regional clients, they have demonstrated proficiency in catering to the unique needs of midsize and small employers. Distinguishing themselves in the market, this office showcases expertise in working with self-funded clients, offering invaluable support to organizations like AdjuvantHealth, Allied Physicians Group Pllc, Birch Wathen Lenox School, and Capital Cardiology Associates Pc. Their diverse client portfolio spans industries such as offices of physicians, educational services, individual and family services, religious organizations, grantmaking entities, civic institutions, professional organizations, and automobile dealers. The broker's proven track record underscores their ability to navigate the complexities of employer benefits. They bring a wealth of experience to the table, with a particular focus on providing tailored solutions for employers with varying participant sizes, from the expansive workforce of AdjuvantHealth to the more intimate setting of Birch Wathen Lenox School. With a commitment to excellence, this Gallagher office in Albany, NY, positions itself as a reliable and knowledgeable ally for employers seeking comprehensive insurance solutions.