At Risk Strategies, we help our clients protect those things that matter most to them. We help them see the way forward in a complex world with specialty insight, practical advice, and custom insurance with a vast network of specialists in Property & Casualty, Employee Benefits, Private Client, as well as Consulting Services and Financial and Wealth Management solutions. We are a different kind of insurance brokerage – bringing a strategic, holistic, specialist approach to our clients, so they can face the future with confidence. We are the 9th largest privately held insurance broker in the US with over 30 specialty practices, 200+ locations, and 5,000 team members (and counting!). We love what we do, and it shows. For five straight years, we were named one of the Best Places to Work by Business Insurance. In 2024, we earned certification as a Great Place to Work. Risk Strategies is an Accession Risk Management Group company, a family of specialty insurance distribution and risk management companies powered by a shared vision of delivering a superior client and employee experience.

Karam Financial Group's Providence, RI office stands out as a prominent player in the insurance brokerage landscape, boasting a substantial presence in the region. With a focus on employer benefits, this larger office has honed its expertise in catering to the needs of local and regional employers, particularly excelling in the realms of medical and ancillary benefits. Distinguishing itself through a diverse clientele, Karam Financial Group has successfully serviced top-tier organizations, including Baycoast Bank, G Lopes Construction, and Inkhouse. These clients span industries such as depository credit intermediation, heavy and civil engineering construction, and advertising/public relations, showcasing the broker's versatility across sectors. Aligning with its commitment to local engagement, Karam Financial Group is an integral part of a local brokerage firm, emphasizing its connection to the community and understanding of regional dynamics. Notably, the broker has demonstrated a commendable track record working with midsize employers, reflecting its ability to navigate the nuanced challenges of this market segment. With a wealth of experience and a client-centric approach, Karam Financial Group's Providence office emerges as a strategic partner for employers seeking comprehensive and tailored insurance solutions. Their proven success with employers of similar scale and diverse industries underscores their capacity to deliver effective benefits strategies in a dynamic business landscape.

Insurance, Employee Benefits, and Financial Services

A repeat winner of the SouthCoast Media Group’s award for Best Insurance Agency, Sylvia Group uses SPS – the SG Protection System – to empower businesses and individuals with performance-based insurance, benefits and financial planning programs. SPS makes our clients active participants in managing risk and containing premiums, resulting in coverage that is both customized and cost-effective. Our areas of business insurance expertise include medical device and other forms of manufacturing, property management and development, municipalities and other nonprofit organizations, construction companies and contractors, and the food and hospitality industry. Our personal insurance products include the basics of home, auto and life, as well as specialty coverages such as cyber, watercraft and valuable items. In addition to making a difference for our clients, we make a difference for our community as a whole by actively supporting and serving many of southern New England’s most reputable and effective nonprofit organizations and institutions. We make a difference for our employees, too, providing competitive wages and benefits, state-of-the-art training and education, ample community service opportunities and an office environment that proves a workplace can be fun as well as professional. In 2020, Sylvia Group became an Alera Group company, enabling us to combine the local, personal service for which we're known with the scope and resources of a national firm.

USI is one of the largest insurance brokerage and consulting firms in the world, delivering property and casualty, employee benefits, personal risk, program and retirement solutions to large risk management clients, middle market companies, smaller firms and individuals. Headquartered in Valhalla, New York, USI connects over 10,500 industry-leading professionals across approximately 200 offices to serve clients’ local, national and international needs. USI has become a premier insurance brokerage and consulting firm by leveraging the USI ONE Advantage®, an interactive platform that integrates proprietary and innovative client solutions, networked local resources and enterprise-wide collaboration to deliver customized results with positive, bottom-line impact. USI attracts best-in-class industry talent with a long history of deep and continuing investment in our local communities. For more information, visit usi.com.

Nestled in the vibrant city of Providence, Rhode Island, W DAssociates stands as a trusted advisor in the realm of employee benefits. With a commitment to delivering tailored solutions, they cater to the diverse needs of their clients, including esteemed organizations like COLLETTE TRAVEL SERVICES, INC. Drawing on years of expertise, they navigate the intricate landscape of benefits packages with finesse, ensuring that each client receives comprehensive coverage that aligns perfectly with their objectives. Their personalized approach fosters lasting relationships, empowering businesses to thrive while prioritizing the well-being of their employees. At W DAssociates, it's not just about securing benefits—it's about forging partnerships built on trust, integrity, and a shared vision of prosperity.

USI is one of the largest insurance brokerage and consulting firms in the world, delivering property and casualty, employee benefits, personal risk, program and retirement solutions to large risk management clients, middle market companies, smaller firms and individuals. Headquartered in Valhalla, New York, USI connects over 10,500 industry-leading professionals across approximately 200 offices to serve clients’ local, national and international needs. USI has become a premier insurance brokerage and consulting firm by leveraging the USI ONE Advantage®, an interactive platform that integrates proprietary and innovative client solutions, networked local resources and enterprise-wide collaboration to deliver customized results with positive, bottom-line impact. USI attracts best-in-class industry talent with a long history of deep and continuing investment in our local communities. For more information, visit usi.com.

KTP Advisors™ is an advisory firm specializing in retiree health benefits. Our areas of expertise include group Medicare plans, healthcare exchanges and pharmacy benefits. While our primary focus is on the Labor market, the firm’s clients include Taft-Hartley funds, municipalities, corporations, universities and other institutions. KTP’s professionals combine expertise in retiree health benefits, pharmacy benefits, finance, and risk management with an acute understanding of the environment in which our clients operate. KTP leverages this experience and insight to help clients manage their benefit plans as efficiently as possible in order to Keep The Promises they have made to their stakeholders, whether they are employees, retirees, shareholders, or taxpayers. We enable vital promises to be kept. KTP is the exclusive retiree health benefit advisor to the Delaware Valley Health Care Coalition (DVHCC) comprising over 250+ Funds and 3+ million individuals. At KTP we believe advisors should be: • Exclusively focused on the client’s goals and objectives • Fiercely independent and free from conflicts of interest • Completely transparent regarding methods and amounts of compensation

At Starkweather & Shepley, we embrace the entrepreneurial spirit of our clients. It is within this spirit that we can confidently facilitate an effective relationship to assist our clients in managing and reducing their ultimate cost of risk. Our teams of professionals possess the requisite intellectual capital to properly analyze operational, financial, and strategic risk – to best protect your bottom line. www.starshep.com Media/Press Inquiries - Stefan Petrella, [email protected]

We help employers manage the current risks and future costs of their health care plans by utilizing self-funding as their most cost effective and transparent health insurance option. An advocate for your plan and its beneficiaries, we help preserve plan affordability while maintaining quality provider access and care. Extensive service offerings and an experienced team allow us to manage every aspect of your health plan – from design and administration to proactive cost control through work-site health and wellness programs and disease management solutions. Diversified Group gives your company the tools and data it needs to gain control over health care expense. Plan members get financial protection and information they can use to maintain good health and a clear pathway to quality care. Diversified Group is a third party administrator based in Marlborough, CT. The Diversified Group of Companies... Your Solution to Health Benefits.

At Commonwealth Financial Group (CFG), we are committed to delivering the best-in-class financial planning experience. Our dedicated partnership prioritizes your success and propels you forward with cutting-edge solutions, personalized consulting, and intuitive tools. Our customized approach to financial planning is centered on empowering individuals with the knowledge, skills, and resources they need to navigate complexities, overcome challenges, and build secure and prosperous futures. Financial planning is more than just a static recommendation – it is a transformative, client-centered process. By seamlessly integrating personal and financial circumstances, our dynamic approach helps to optimize life goals and adapts to evolving lives. Let us show you how we can transform the way you approach financial planning.

Employee Family Protection is not just our name – it’s what we do. We assist employees in protecting themselves and their families with informed benefit decisions. Our clients value their employees benefit enrollment process, therefore, we are committed to offering valuable benefit advisement, cutting edge enrollment and billing technology, administrative support, proprietary billing solutions, and enrollment services to each client as needed. Our clients are assigned a dedicated team of experts equipped for their workforce’s needs before, during, and after the enrollment process. Over the last 43 years our growing staff has been devoted to holding a place as a national leader in the benefit service industry. Employee Family Protection provides innovative solutions for a better benefit experience.