KORE is an independent insurance partner that delivers an experience unlike any other: Unconstrained in our tailored approach and adjective advice, unrivaled in our white-gloved service, and unlimited in our delivery of complete solutions to unlock possibilities. Our team of proven and handpicked professionals works with you to understand your needs and to deliver complete coverage from the most- respected carriers in the world. As an independent firm, we do not push proprietary products. Our brokerage and advisory services extend across risk management, business and operational risks, transactional risks, and claims and litigation. KORE was established in 2013 with our roots, principles, and service commitment dating back to 1972 via our predecessor companies. We are a story of achievement through continuous adaptation and evolution – relentlessly focused on helping clients navigate changing markets and evolve their insurance coverage.

Marshall & Sterling, a regional insurance consultant headquartered in Poughkeepsie, New York, is a trusted partner for clients across multiple states, including New York, New Jersey, Connecticut, Texas, California, and Minnesota. With a diverse client base, they have established themselves as one of the top brokerages in the Poughkeepsie market, offering their expertise to large, midsize, and small employers. One notable example of their exceptional service is their collaboration with Oels, a prominent employer in the employment services industry, comprising 1,630 members. Marshall & Sterling worked closely with Oels' HR and finance team to develop a comprehensive insurance package that included a self-funding arrangement, HMO and PPO plans, as well as a specialized PBM and drug plan. This bespoke approach ensured that Oels' members received tailored coverage to meet their unique needs. Marshall & Sterling's impressive M Score reflects their extensive experience and expertise across various client sizes, industries, and products. They excel in working with self-funded clients, demonstrating their deep understanding of this complex area. Moreover, they have a strong track record in collaborating with HMOs and PPOs to provide the best solutions for their clients' members. Their proficiency extends to working with PBMs and other pharmacy providers, ensuring comprehensive coverage in the pharmaceutical domain. In terms of industry knowledge, Marshall & Sterling boasts a strong expertise in automobile dealerships, educational services, as well as the health care and social assistance sectors. This breadth of experience enables them to navigate the specific challenges and requirements of each industry, ensuring that their clients receive tailored insurance solutions. Marshall & Sterling's commitment to delivering exceptional service, combined with their vast experience and deep industry knowledge, positions them as a reliable insurance consultant for businesses across multiple states. Whether it's assisting with self-funding arrangements, designing HMO and PPO plans, or ensuring effective pharmacy coverage, Marshall & Sterling is dedicated to meeting the unique needs of their clients and providing them with peace of mind.

Located in the bustling heart of New York, NY, the Henry O. Baker Insurance Group's prominent office stands as a beacon of reliability and expertise in the insurance brokerage landscape. Boasting a considerable size, this office is a testament to the group's commitment to delivering comprehensive insurance solutions. With a notable focus on self-funded clients, they have honed their skills to adeptly support local and regional employers, ensuring tailored coverage that aligns with unique business needs. Henry O. Baker Insurance Group's extensive experience shines through, particularly in serving the individual and family services industry. Notable clients such as Family Connections and Zufall Health Center in New Jersey, each with participant numbers exceeding 100 and 200, respectively, underscore their prowess in managing diverse insurance requirements. Their expertise extends beyond individual cases, encompassing a deep understanding of the broader individual and family services industries. As a vital component of a local brokerage firm, this office benefits from a collaborative network, enhancing its ability to navigate the intricate landscape of insurance offerings. Demonstrating a track record with midsize employers, Henry O. Baker Insurance Group brings a nuanced understanding of the challenges and nuances faced by businesses of this scale. With a commitment to excellence, this New York-based office stands as a reliable partner for employers seeking comprehensive and tailored insurance solutions.

Round Hill Risk Partners, LLC, located in the heart of New York, NY, distinguishes itself as a premier insurance broker specializing in comprehensive employer benefits solutions. With a focus on medical and ancillary benefits, this office possesses a wealth of expertise tailored to meet the unique needs of local and regional employers. The team's proficiency extends across various industries, demonstrating particular prowess in serving educational services organizations. Notable among their clientele is the prestigious Elo Gramon School, an educational institution based in NJ, boasting over 360 participants. Round Hill Risk Partners has forged strong relationships within the educational services industry, exemplifying their commitment to understanding and addressing the specific challenges faced by clients in this sector. As an integral part of a local brokerage firm, Round Hill Risk Partners, LLC, leverages its regional insights to deliver tailored solutions that align with the diverse needs of businesses in the area. Their dedication to client satisfaction is underscored by a track record of successful partnerships with a wide array of employers. In summary, the New York, NY location of Round Hill Risk Partners, LLC, emerges as a trusted ally for employers seeking expert guidance and customized solutions in the realm of employee benefits. With a client-focused approach and a proven ability to navigate the intricacies of the insurance landscape, they stand out as a valuable resource for businesses in the region.

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).

Benefit Consulting Insurance, located in the bustling heart of New York, NY, stands out as a prominent player in the insurance brokerage sector, particularly known for its adept handling of employer benefits. As a sizable office within a local brokerage firm, they have carved a niche in offering tailored solutions to both midsize and large employers, showcasing a versatile approach to client needs. Their expertise shines in working with self-funded clients, a domain where they have accumulated substantial experience. This expertise is further exemplified by their impressive portfolio of top-tier clients across various industries. Notable among these is Carey Asset Management Corp, a key player in the activities related to the real estate industry, based in New York, with over 110 participants under their wing. This demonstrates their capability to efficiently manage complex benefit plans in a high-stakes industry. Equally impressive is their collaboration with Aaaa Group Insurance Trust, a significant entity in the insurance and employee benefit funds industry, based in North Carolina. Managing benefits for a vast group of over 980 participants, Benefit Consulting Insurance has proven their prowess in handling large-scale, industry-specific insurance needs. Their proficiency extends to the retail trade industry, as showcased by their association with Hudson Group Hg in New Jersey, serving more than 190 participants. This diversity in clientele highlights their adaptability and deep understanding of varied industry requirements. Benefit Consulting Insurance's ability to offer specialized, industry-specific solutions, combined with their experience with a broad spectrum of employer sizes, positions them as a highly capable and reliable choice for businesses seeking comprehensive insurance and employee benefits solutions.

Valley Insurance Services, Inc., situated in the vibrant heart of New York, NY, stands as a beacon of excellence in the insurance brokerage landscape, particularly for employer benefits. With a seasoned team, this office location possesses unparalleled expertise in catering to the needs of local and regional employers, specializing in crafting comprehensive medical and ancillary benefits packages. One hallmark of their success is the strategic partnership with Extech Building Materials, a prominent player in the lumber and construction materials merchant wholesalers industry based in NJ. With over 140 participants, this collaboration underscores Valley Insurance Services, Inc.'s ability to navigate and meet the unique demands of diverse business sectors. Notably, their proficiency extends beyond mere transactions; they are an integral part of the local brokerage firm fabric, fostering enduring relationships with clients. Valley Insurance Services, Inc. distinguishes itself by delivering tailored solutions that align with the dynamic landscape of employer benefits. This office location thrives on a commitment to understanding the nuances of each client's requirements, ensuring a personalized and effective approach to insurance services. In the competitive realm of insurance brokerage, the New York, NY branch of Valley Insurance Services, Inc. stands as a trusted partner, dedicated to empowering employers with comprehensive and strategic benefit solutions.

Coastal Benefits, a local brokerage firm based in New York, NY, stands out for its proficiency in tailoring employer benefits, particularly in medical and ancillary benefits. This office showcases an impressive track record of serving both local and regional employers, demonstrating a deep understanding of diverse industry needs. One of their notable clients is Van Eck Associates Corporation, a prominent player in the financial investment activities sector, headquartered in New York. Coastal Benefits has successfully managed benefits for over 250 participants at Van Eck, underscoring their capacity to handle large-scale operations. In the rubber product manufacturing industry, Coastal Benefits has made a significant impact through their work with Ames Rubber Corporation in New Jersey. Managing benefits for more than 70 participants, their expertise in this sector is evident. Another area of their proficiency is the legal services industry, highlighted by their collaboration with Mandelbaum Barrett Pc in New Jersey. Here, Coastal Benefits has catered to over 120 participants, demonstrating their adaptability and knowledge in various industry environments. Coastal Benefits' strength lies in their localized approach, which allows them to offer personalized services that align with the specific needs of each client. Their experience across diverse industries like rubber product manufacturing and legal services, combined with their capability to handle a wide range of participant sizes, makes them a versatile and reliable choice for employer benefits solutions. Their commitment to understanding and addressing the unique requirements of each client sets them apart, ensuring that the benefits they offer are not just comprehensive, but also precisely tailored to each organization's specific context and objectives.

benefEx clears your path toward a sustainable, affordable health care and employee benefit system — one that will actually satisfy the majority of your participants. Our exclusive PReACTIVE INSIGHT® process — forged by combining the complementary disciplines of economics and psychology — guarantees a unique, concierge-type approach to benefit design, brokerage, and consulting. Carefully measuring your employees' perceptions and preferences about benefit programs — while protecting their anonymity — helps us provide a customized roadmap that can guide your progress through the benefit challenges of today — and tomorrow. If you're losing the health care game, benefEx can help you change the rules!