Harding Brooks Insurance, an independent agent, is an established agency offering a complete spectrum of quality insurance. Paired with a team of skilled and dedicated staff providing superior customer service, Harding Brooks Insurance is a front-runner in the industry. If we do say so ourselves….. Our corporate office is located in Binghamton, New York with a second location in Syracuse, New York. We continue to provide competitive rates to a multitude of industries and are proud to be endorsed by the American Recovery Association.

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.

There are two types of employers: those that know they are paying too much for health insurance and those in denial. There is only one thing standing in the way of this becoming a reality - unwillingness to explore alternative strategies. Two decades of managed care has sheltered employers and the their members from the truth. A lack of transparency and access to the cost and quality of healthcare has contributed to the problem. Simply put, employers have been lead to believe their insurers are negotiating the best prices. We can assure you that network 'discounts' are nothing more than a charade. In fact, employer sponsored health plans are a guarantee your company is paying 50% to 75% too much for prescriptions. Where does that money go? Right back to your Pharmacy Benefit Manager who is owned or owns your insurance carrier. This is unreported income for your insurer and it can be eliminated. This isn't a surprise to most but the extent of the problem is and until now, there was no ability for most employers to see the data. We changed that too. BritePath is our benefit strategy and our name. We help employers and their members forever change the trajectory of the cost and quality of their benefits. Ask yourself this question; Do we have a health insurance problem today? Let's assume for a second you say 'No'. Ok, five years from now the cost of your insurance increases 50% and the quality of your benefits deteriorates. Do you have a problem then? What has that done to your bottom line? What has that done to your ability to attract and retain the best talent? Don't wait five years to find out. Contact BritePath today and get a second opinion that with provide Insights, Analytics, Engagement and Elevate your plan and your people.

Haylor, Freyer & Coon, an Alera Group Company, is a full-service insurance agency, providing Insurance, Risk Management, Surety, & Benefit Consulting to businesses and individuals Nationwide. Our 94 years of industry expertise and entrepreneurial spirit make us a dynamic partner for growing organizations. We’ve been part of the CNY community since 1928 and our commitment to our employees, clients and our community will only be strengthen as we’ve become part of the Alera Group network of outstanding Agencies. Powered by over 3,500 employees with worldwide expertise and resources. -------------------------------------------------------------------------------- Learn more about us at www.haylor.com

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).

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.

FNA is a full service general agent and employee benefit consultant, currently providing a network of over 5,000 retail agents and brokers with comprehensive employer group insurance consulting, compliance, and billing/administrative services through their five affiliate divisions. Founded in 1974, FNA has 40 years of experience in assisting the Northeast broker community in analyzing their clients’ employee benefit needs and working with carriers to obtain the optimal health and specialty benefits plans available in the marketplace.

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).

Lawley provides employee benefits and group health insurance to all sizes of employers in the Buffalo-Cheektowaga-Niagara Falls, NY, Metro Area. Providing comprehensive medical benefits to employees and voluntary benefits can help to retain your employees. The Buffalo-Cheektowaga-Niagara Falls market employs 483,000 people who depend on their employer for many benefits, including health insurance. Lawley's Buffalo office has the top M Score of 5 due to a wide range of experience and positive customer feedback for their service and outcomes. Lawley Buffalo is part of a regional insurance brokerage firm serving several areas, with a local office in the Buffalo region. Lawley's Insurance Group Inc. has been able to assist many companies in the region to maintain their workers' comp coverage and grow their bottom line.

Schulman Insurance Brokerage, located in Rockville Centre, New York, is a trusted local insurance broker serving clients in New York and Texas. With a wide range of clients, including large, midsize, and small employers, Schulman Insurance Brokerage specializes in providing tailored insurance solutions to meet the unique needs of their clients. One notable example of their expertise is their work with Precision Global Consulting Inc, a leading employer in the accounting, tax preparation, bookkeeping, and payroll services industry. Schulman Insurance Brokerage collaborated closely with Precision Global Consulting's HR and finance team to design and implement a comprehensive employee benefits package. This package included a customized PPO plan, a Pharmacy Benefit Manager (PBM) solution, and a prescription drug plan, all tailored specifically to address the needs of Precision Global Consulting's 330 employees. In addition to their work with Precision Global Consulting, Schulman Insurance Brokerage has established partnerships with other esteemed employer clients such as Boston Insurance Employee Benefit Trust - Dfe, Metro Group, and Mid Island Therapy Associates LLC. Their strong expertise extends across various industries, including professional, scientific, and technical services, investment pools and funds, as well as accounting, tax preparation, bookkeeping, and payroll services. As a local insurance broker, Schulman Insurance Brokerage prides itself on providing personalized service and comprehensive insurance solutions to their diverse range of clients. With their knowledge and experience, they are committed to helping employers protect their businesses and support the well-being of their employees through effective and tailored insurance coverage