When we meet with small and middle market companies they tell us that they frustrated with rising health insurance premiums, their employees are dissatisfied because of higher and higher deductibles, co-pays and out of pocket expenses but the insurance industry doesn’t offer them any new choices. Even more interesting is that very few of these companies have a plan for changing this situation and wait for their advisor to deliver their renewal and hope that things improve. Advantage Benefit Solutions works with companies like this and develops a 3 year plan designed to break them from this “Plan Trap”. It is possible to have high employee satisfaction through employee engagement and education. There are two sides to every coin, price on one side and value on the other. Our process is designed to utilize tools and maximize their value through employee engagement and education. Our process is the third side of the coin, the edge, or value creator.

At Hotchkiss Insurance, we know by safeguarding one's most valuable assets, people and businesses are better able to grow and prosper. We work with you to understand your unique business and deliver tailored insurance solutions and risk management to protect you from life’s uncertainties. With an advisory approach and an ability to reduce complexity, we demonstrate an abiding care for all of those who entrust themselves to us. Whether you know you need business insurance, risk management, employee benefits consulting, personal insurance, surety, or you just want to start the conversation, we've got you covered. Hotchkiss is Texas-based, with main offices in Dallas, Fort Worth, Houston, Lubbock, and San Antonio. For more than 40 years, we've protected businesses of all sizes and industries. (Including construction, education, restaurants, landscapers, nursery growers, manufacturing, religious institutions, commercial construction, technology, home builders, energy, more) Endorsed by: Texas Nursery and Landscape Association, Texas Irrigation Association Member of: Builder Agent Network, exclusively endorsed by Texas Association of Builders Founders of: Texas Green Industry Safety Group, Texas Home Builders Safety Group Follow us! www.facebook.com/HotchkissInsurance/ twitter.com/hiallc 800.899.3750

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. 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

Higginbotham is a single source solution for insurance, financial and HR/employee benefits services. The employee-owned firm was established in 1948 and ranks by revenue today as the nation’s 21st largest independent insurance brokerage. Based in Fort Worth, Texas, Higginbotham serves businesses and individuals through locations across the nation. The firm specializes in tailoring programs to meet each client’s unique needs, and in standing by those programs with their Day Two Services®, which provide proactive customer support through the life of each policy. Higginbotham is a values-driven firm that strives to be family to employees, accountable to clients, teammates to carriers, and generous to communities.

*Manager of all group and individual benefits including new and existing business. *Consulting with Employers on the ever changing ACA laws

We're not just any benefits consulting firm. We're GBS. We have nearly 30 years of experience in group benefits, a strong sense of purpose and it shows. At GBS, we don't stand still. We grow, we innovate, and we delight our clients. We are your neighbors and your friends in addition to being your partner in benefits. You'll see us at the store, at community events, and by your side as we navigate the complex terrain of insurance.

Crystal & Company is the home for talented insurance professionals: creative, committed to their clients and driven to deliver extraordinary results. The company drives the strategy and execution behind insurance and employee benefits programs for businesses that want to be smart about risk. Crystal was recently acquired by Alliant Insurance Services, one of the nation’s largest specialty insurance brokerage firms. To learn more about Alliant, please visit: www.alliant.com.

Kilpatrick Companies, LLC is a wholesale General Agency and benefits consulting firm located in Houston. We work with a network of independent brokers, agents, and consultants to write, service, support, and consult on employee benefits programs that include medical, dental, vision, life, and disability products.

Commercial Insurance Broker is a local insurance broker based in Houston, Texas, that provides comprehensive insurance services to clients across Texas, Connecticut, and North Dakota. With a focus on serving clients of all sizes, including large, midsize, and small employers, Commercial Insurance Broker offers tailored insurance solutions to meet the unique needs of each business. One notable example of Commercial Insurance Broker's expertise is their successful collaboration with Tes Services Inc, a major employer in the oil and gas extraction industry. Working closely with Tes Services' HR and finance team, Commercial Insurance Broker facilitated the establishment of a self-funding arrangement, as well as a customized pharmacy benefit management (PBM) and drug plan specifically designed to address the healthcare needs of their 440 members. Commercial Insurance Broker's commitment to delivering exceptional service is reflected in their positive M Score, which is a testament to their extensive experience and expertise across various client sizes and industries. However, it's important to note that some customers have shared lower reviews, suggesting an area that may require further attention as potential partners evaluate their options. Operating from their office in Houston, Commercial Insurance Broker serves a diverse range of employer clients, including Bay Ltd, Lauren Concrete Inc., Tes Services Inc, and GHG Corporation. Their strong industry expertise extends to sectors such as oil and gas extraction, architectural, engineering, and related services, as well as specialty trade contractors. In summary, Commercial Insurance Broker is a local insurance broker with a broad reach and a comprehensive range of services. With their dedication to meeting the unique needs of clients across various industries, Commercial Insurance Broker is well-equipped to provide effective insurance solutions to businesses in Texas, Connecticut, and North Dakota.

Darin Potts Insurance Brokerage, located in Houston, TX, stands out as a prominent office within a local brokerage firm, catering to both small and midsize employers with a focus on personalized solutions. This larger office has carved out a niche in handling self-funded clients, showcasing their adaptability and expertise in tailoring insurance solutions to specific business needs. The firm's proficiency is particularly notable in industries such as building material and supplies dealers, nursing and residential care facilities, and general freight trucking, where they have developed a deep understanding of the unique challenges and requirements. Their client portfolio boasts significant relationships with industry leaders, including Concord Healthcare Group in the nursing and residential care facilities sector, which has over 180 participants. Additionally, they have a strong presence in the general freight trucking industry, exemplified by their work with Custom Commodities, which encompasses 170 participants. Englobal Us, a key player in the architectural, engineering, and related services industry with 70 participants, further highlights the brokerage's versatility and capability in managing diverse insurance needs. Darin Potts Insurance Brokerage's success stems from its ability to support local and regional employers with tailored, industry-specific insurance solutions. Their office in Houston not only reflects their commitment to serving a wide range of industries but also their dedication to understanding and addressing the nuanced insurance needs of each client, whether they are a small business or a midsize enterprise. This approach ensures a level of service and expertise that is both comprehensive and deeply attuned to the individual needs of their clients.

What makes Lockton stand apart is also what makes us better: independence. Our private ownership empowers our 12,500+ Associates doing business in over 140+ countries to focus solely on clients' risk and insurance needs. With expertise that reaches around the globe, we deliver the deep understanding needed to accomplish remarkable results.