The same insurance policies don’t work for every business. That’s why, at NBT Insurance Agency, our advisors work with you to help manage risk and select the best policies for you from more than 100 carriers. Count on us to focus on securing insurance that meets your unique needs and budget, so you can focus on your business.

PCF Insurance Services, situated in the vibrant business hub of New York, NY, distinguishes itself as a trusted insurance broker, specializing in tailored solutions for local and regional employers. With a robust focus on medical and ancillary benefits, the New York office excels in providing comprehensive coverage and strategic consulting services. Drawing on a wealth of experience, PCF Insurance Services has become a cornerstone for employers seeking expert guidance in the professional, scientific, and technical services industries. Notable clients, such as Suzy, with over 260 participants, attest to the office's proficiency in crafting customized insurance solutions that meet the unique needs of diverse businesses. The New York branch showcases its prowess in the legal services sector, exemplified by its partnership with Allen & Overy, a prominent firm boasting more than 500 participants. The team's deep understanding of the legal services industry positions them as invaluable partners, offering nuanced solutions tailored to the complex requirements of this sector. As an integral part of a regional insurance broker firm, PCF Insurance Services in New York benefits from a broad network and collective expertise. This ensures that clients receive not only localized insights but also the extensive resources and support of a larger, regionally connected entity. In the dynamic landscape of employer benefits, PCF Insurance Services stands out as a reliable and adept partner for businesses seeking comprehensive and tailored insurance solutions.

Pillar International Insurance Advisors, situated in the bustling heart of New York, NY, stands as a prominent brokerage firm catering to the diverse needs of local and regional employers. With a specialized focus on medical and ancillary benefits, their expertise is underscored by a proven track record of serving esteemed clients, including the esteemed legal services firm, Perkins Coie, based in WA. Their adept handling of 90+ participants within Perkins Coie reflects Pillar International's commitment to delivering tailored solutions within the legal services industry. This office location of Pillar International distinguishes itself through its deep-rooted understanding of the nuances specific to local and regional employers. Their proficiency extends beyond mere industry familiarity to a nuanced comprehension of the diverse needs inherent within the legal services sector. Their collaborative approach and nuanced expertise empower them to navigate the intricacies of this sector, addressing complex requirements with finesse. As an integral part of a local brokerage firm, Pillar International Insurance Advisors leverage their connections and local insights to deliver customized, high-quality solutions. Their hands-on approach, combined with a dedicated focus on client needs, positions them as a trusted partner for businesses seeking comprehensive, effective, and tailored insurance solutions in the dynamic landscape of employer benefits.

Gallagher, a global insurance brokerage, risk management, and consulting firm, serves communities around the globe, helping clients address risk, protecting assets, and recovering from losses. The products and services we provide keep businesses and institutions running, and enable individuals and families to face their future with confidence. Gallagher provides retail and wholesale property and casualty brokerage, alternative risk transfer services, employee benefit consulting, and actuarial services. Gallagher also offers claims and information management, risk control consulting and appraisal services, human resource consulting, and retirement services. #BuildingConfidenceTogether Follow us on social: Instagram: http://instagram.com/gallagherglobal Facebook: http://www.facebook.com/GallagherGlobal Twitter: https://twitter.com/GallagherGlobal YouTube: https://www.youtube.com/GallagherGlobal

At Brown & Brown, our guiding principles include building our team with the highest quality people and delivering innovative solutions and superior service. If you are a highly complex multinational company, an individual or anything in between, our experienced teams can help you view, analyze and purchase insurance efficiently. You will receive the personalized, dedicated service you deserve while leveraging the exceptional capabilities and peace of mind expected from a top brokerage to help protect what you value most.

Built on the principle of treating people the way we would want to be treated and never losing sight of the importance of relationships, Professional Group Plans has grown organically over the last two decades into the largest full service General Agency in the Tri-State Area. Specializing in employee benefits, we serve over 90,000 employer groups, with well over 600,000 covered lives and bill over $2,800,000,000 in premium sales per year. As large as we are, we pride ourselves on servicing each and every broker, and their clients, with the same prompt and courteous service. Our reputation for the way we conduct business, along with our size and scale, has allowed us the opportunity to develop close relationships with all of the major insurance carriers and leading industry vendors. This gives us the unique advantage of dedicated support and resources, which in turn gives our brokers, and their clients, faster turnaround times, exceptional customer service and access to cutting edge products. Headquartered in Hauppauge, New York, with other locations in Manhattan and New Jersey, we are staffed with nearly 100 employees that continue to provide the exceptional service we are known for throughout the industry. Our Mission: “To passionately deliver value to our broker partners by providing them with the expertise, education, support and resources they need to effectively service their clients and achieve success” Our Core Belief: “Treat people the way we would want to be treated and never lose sight of the importance of relationships”

Alterity Group is a reputable regional insurance consultant headquartered in New York, New York. With a diverse client base spanning across multiple states including North Carolina, California, Florida, and Texas, they have established themselves as a trusted partner in the insurance industry. One notable example of their expertise is their collaboration with American Chemical Society, a distinguished employer in the professional, scientific, and technical services industry. Alterity Group worked closely with the HR and finance team of American Chemical Society to develop a comprehensive self-funding arrangement, as well as an HMO plan, pharmacy benefits management (PBM), and drug plan tailored to the unique needs of their 740 members. With a wide range of employer clients such as American Dental Partners Inc, Ameriteam Services LLC, and Armacell LLC, Alterity Group has gained extensive experience working with large and midsize employers across various industries. Their commitment to delivering exceptional services is reflected in their high M Score, which is a testament to their broad expertise and deep understanding of client sizes, industries, and insurance products. Alterity Group possesses strong capabilities in professional, scientific, and technical services, eating places, and nondepository credit intermediation industries. They are well-versed in working with self-funded clients and have a solid track record in effectively meeting the needs of clients with HMOs and PPOs. Additionally, their experience with pharmacy benefit managers (PBMs) and other specialized pharmacy providers further enhances their ability to deliver comprehensive insurance solutions. As a regional insurance consultant, Alterity Group continues to build strong relationships with clients across various states, ensuring that their expertise and tailored insurance solutions are accessible to a wide range of businesses.

Wealth Advisory Group has been empowering people with sound financial strategies since 1933. We employ a disciplined, comprehensive approach to wealth management. Our goal is to help you achieve the quality of life you’ve always imagined. More than 100 Associates are here to guide you through a full range of planning that may include insurance and investments tailored specifically for your needs. Wealth Advisory Group, LLC is an Agency of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 355 Lexington Avenue, 9th Fl, New York, NY 10017, 212-541-8800. PAS is a wholly-owned subsidiary of Guardian. This firm is not an affiliate or subsidiary of PAS. Wealth Advisory Group LLC is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof. 2022-141079 Exp 07/24