We are a general agency comprised of a team of innovators dedicated to the success of our benefits broker partners. We bring the power of technology, empowering our brokers to offer solutions that others simply cannot. Through our extensive partner network, we have forged selective alliances with the best players in the insurance and technology marketplaces. The end result is a varied and deep portfolio of services and solutions that give brokers an edge.

Benefit Foundations of America, situated in New York, NY, stands out as a prominent insurance broker office, particularly adept at serving midsize employers. This larger office is renowned for its expertise in local and regional markets, primarily focusing on medical and ancillary benefits. Their prowess is especially notable in the legal services and activities related to the real estate industries. A key highlight of their service portfolio is their successful collaboration with notable clients like Samuel Geltman & Co., a major player in the activities related to real estate industry based in New Jersey. With over 100 participants, this partnership showcases their capacity to handle complex benefit needs. Similarly, their work with Greenbaum Rowe Smith & Davis, a firm in the legal services industry also based in New Jersey, with more than 120 participants, further cements their reputation as a reliable partner for diverse industry needs. As a local brokerage firm, Benefit Foundations of America brings a personalized touch to their services, combining local insights with a deep understanding of industry-specific requirements. Their tailored approach to each client, coupled with a robust understanding of the needs of midsize employers, makes them a valuable asset for businesses looking to navigate the complexities of employee benefits. Their strategic focus on specific industries like legal services and real estate-related activities has enabled them to develop specialized expertise, ensuring that their clients receive guidance that is not only informed but also highly relevant to their specific sector. This specialization, along with their significant presence in the New York region, positions Benefit Foundations of America as a go-to broker for employers seeking comprehensive and customized insurance solutions.

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

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

Howard F. Cohen is a dedicated employee benefits broker based in New York, NY, renowned for his personalized approach to designing and managing comprehensive benefits packages. With a focus on serving the unique needs of local businesses, Howard has built a reputation for his deep understanding of the complexities involved in employee benefits. His portfolio of clients, including notable firms like AL & JOHN, INC., underscores his ability to tailor solutions that not only meet the diverse needs of employers but also enhance the well-being and satisfaction of their employees. Howard’s commitment to excellence is evident in his meticulous attention to detail, proactive communication, and unwavering support, ensuring that each client receives the highest level of service. Whether it’s navigating the intricacies of health insurance, retirement plans, or wellness programs, Howard F. Cohen stands as a trusted partner in fostering healthy, happy workplaces.

Nestled in the bustling landscape of New York, NY, Stratford Financial Group is a distinguished insurance broker specializing in comprehensive solutions for employer benefits. With a sharp focus on medical and ancillary benefits, this office brings robust expertise to meet the diverse needs of both local and regional employers. A testament to their proficiency is the successful collaboration with Gourmet Kitchen, a key player in the building finishing contractors industry based in NJ. With over 100 participants, this partnership exemplifies Stratford Financial Group's ability to navigate the intricacies of the construction sector, providing tailored benefits packages aligned with the industry's specific demands. Another noteworthy association is with Quasar Corporation in the miscellaneous nondurable goods merchant wholesalers industry based in NJ, boasting 80+ participants. This further underscores the broker's versatility and capability to craft specialized benefits solutions for businesses in diverse sectors. As an integral part of a local brokerage firm, Stratford Financial Group possesses a nuanced understanding of the regional business landscape. Their expertise spans building finishing contractors and miscellaneous nondurable goods merchant wholesalers industries, reflecting a commitment to tailored solutions for a variety of business needs. In the vibrant heart of New York City, Stratford Financial Group stands as a trusted partner, offering not just insurance coverage but strategic and personalized partnerships dedicated to enhancing employee well-being and ensuring the sustained success of businesses in the local community.

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.

R C Lain, situated in Poughkeepsie, NY, stands as a distinguished insurance broker specializing in employer benefits with a notable focus on medical and ancillary coverage. Boasting extensive expertise in serving both local and regional employers, this office excels in tailoring comprehensive benefit solutions to meet the unique needs of businesses in the area. One of R C Lain's key strengths lies in its adept handling of clients in the general freight trucking industry. Noteworthy customers such as Mid-Jersey Trucking Industry and Teamsters Local 701 Welfare Fund underscore the broker's commitment to delivering tailored benefits packages. In the competitive landscape of the general freight trucking sector, R C Lain has established itself as a trusted partner, providing valuable insights and strategic guidance. This Poughkeepsie-based location is an integral part of a local brokerage firm, leveraging the collective strength and resources of the broader network. This affiliation enhances their ability to stay abreast of industry trends and deliver cutting-edge solutions to clients. R C Lain's commitment to excellence and in-depth understanding of the intricacies of employer benefits make them a reliable choice for businesses seeking tailored insurance solutions in the Poughkeepsie, NY region.

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.

R. Stephens Financial, Inc., located in the heart of New York, NY, stands out as a premier insurance broker, specializing in employer benefits with a keen focus on medical and ancillary coverage. Boasting a wealth of experience in serving the needs of local and regional employers, this office has become a trusted partner for businesses seeking comprehensive and tailored insurance solutions. A notable strength lies in their in-depth understanding of specific industries, particularly excelling in catering to companies in printing and related support activities and specialty food retailers. Among their distinguished clientele are Inter-County Bakers, a leading specialty food retailer in New York, with a participant count exceeding 180, and Accurate Box Company, a printing industry player in New Jersey, benefitting from coverage for over 80 participants. As a part of a respected local brokerage firm, R. Stephens Financial, Inc. brings a personalized touch to every client relationship. The team at this New York location prides itself on not just providing insurance but on crafting strategies that align with each client's unique business needs. Their commitment to expertise, tailored solutions, and local market insight makes R. Stephens Financial, Inc. a go-to partner for employers seeking reliable and comprehensive benefit packages.

William A Smith & Son Inc is a trusted insurance broker located in Newburgh, New York. With their extensive experience and dedication to customer satisfaction, they have earned a stellar reputation in the industry. Catering primarily to large employers, William A Smith & Son Inc works with a diverse range of clients, including prestigious organizations like The Business Council Of New York State, Inc. Insurance Fund. In addition to serving clients in their local community, this branch of William A Smith & Son Inc also extends their services to clients located in Georgia and Minnesota. The team at William A Smith & Son Inc prides themselves on their exceptional customer service and deep understanding of the insurance industry. They consistently receive rave reviews from their clients, who appreciate their personalized approach and expert guidance. Whether it's assisting with policy selection, providing risk management advice, or handling claims, William A Smith & Son Inc goes above and beyond to ensure their clients' needs are met. While they serve clients across various industries, William A Smith & Son Inc specializes in tailoring insurance solutions to the unique requirements of each client. With their strong expertise and knowledge, they have successfully navigated the insurance landscape for clients in diverse sectors. For businesses seeking a reliable insurance broker in Newburgh, William A Smith & Son Inc is the go-to choice. Their exceptional service, extensive industry experience, and top-notch expertise make them a trusted partner in meeting insurance needs.