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.

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.

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.

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).

Marshall & Sterling's Albany, NY office stands out as a prominent and expansive hub within the regional insurance landscape. Boasting a larger office setup, this branch is adept at navigating the complexities of the insurance realm, particularly excelling in catering to the needs of both midsize and small employers. With a focus on employer benefits, this location has carved a niche in supporting self-funded clients, showcasing a wealth of experience in this area. Their proficiency extends across diverse industries, including plastics product manufacturing, architectural, engineering, and related services, as well as nursing and residential care facilities. This breadth of expertise positions them as a versatile partner for local and regional employers seeking comprehensive insurance solutions. Marshall & Sterling's track record is underscored by successful collaborations with key clients such as Centerlight Health System, a major player in the nursing and residential care facilities sector, CT Male Associates Engineering Surveying Architecture Landscape, and North Country Janitorial. These partnerships reflect their commitment to providing tailored insurance services across industries. As a pivotal part of a regional insurance broker firm, this office taps into a broader network, ensuring clients benefit from a wealth of resources and a deep understanding of the regional business landscape. Overall, Marshall & Sterling's Albany office is a strategic choice for employers seeking a reliable and experienced insurance broker with a proven track record of delivering tailored solutions.

Reiser Consulting Group, located in Albany, NY, stands out as a premier insurance broker with a strong emphasis on serving the diverse needs of local and regional employers. Specializing in medical and ancillary benefits, this office boasts extensive expertise within the insurance carriers industry, exemplified by their successful partnership with major players like Capital District Physicians' Health Plan. Handling a participant base of 1350+, Reiser Consulting Group showcases their ability to manage large-scale benefits programs effectively. As part of a local brokerage firm, this office brings a personalized touch to the insurance landscape, fostering relationships that go beyond mere transactions. Their commitment to understanding the unique challenges faced by businesses in the region sets them apart, making them a trusted partner for employers navigating the intricacies of employee benefits. The team at Reiser Consulting Group leverages their demonstrated experience with large employers to tailor solutions that align with the specific needs of each client. Whether providing comprehensive coverage or navigating complex insurance landscapes, their dedication to delivering value is evident. With a focus on the local and regional market, Reiser Consulting Group in Albany, NY, emerges as a strategic ally for employers seeking expertise and reliability in managing their insurance and benefits portfolios.

Group Health Solutions is a dynamic, leading edge consulting firm specializing in employee benefits. Located in mid-town Manhattan, our experienced team of caring professionals provides the personal

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

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

Insurasource 365, based in Albany, NY, stands as a prominent insurance broker offering unparalleled services to local and regional employers. With a robust focus on medical and ancillary benefits, this office location boasts a wealth of expertise tailored to meet the diverse needs of employers in the area. One of Insurasource 365's noteworthy strengths lies in its successful collaborations with key organizations, such as the Healthcare Association of New York State. In the religious, grantmaking, civic, professional, and similar organizations industry, Insurasource 365 has demonstrated its proficiency by serving the Healthcare Association of New York State with over 150 participants. Additionally, their impact extends to the Healthcare Association of New York State Group Insurance Trust, an industry leader with a staggering 28,480+ participants in the #N/A sector. What sets this Albany-based location apart is not just its impressive client portfolio but also its extensive understanding of diverse industries, particularly religious, grantmaking, civic, professional, and similar organizations. As part of a local brokerage firm, Insurasource 365 combines global resources with local insights, ensuring a comprehensive and tailored approach to employer benefits. With a commitment to excellence, this office is positioned as a trusted partner for businesses seeking comprehensive and effective insurance solutions in the Albany, NY region.