Innovative Insurance helps businesses and individuals optimize their health and protect their financial well-being. As a business and as individuals, we are committed to work that: -Helps our clients -Adds value to our team -Creates a better community for our neighbors, our families and ourselves

D & S Agency is a trusted local insurance broker based in Lynchburg, Virginia. With their extensive experience and expertise, they have become a go-to partner for midsize employers seeking tailored insurance solutions. One notable example of their success in Lynchburg is their collaboration with Varney Inc, a prominent employer in the building equipment contractors industry with 130 members. D & S Agency worked closely with Varney Inc's HR and finance team to develop a specialized self-funding arrangement that caters to the unique needs of their members. D & S Agency has a strong track record of working with self-funded employers and excels in meeting member needs through their partnerships with Preferred Provider Organizations (PPOs). Their dedication to client satisfaction and their ability to deliver personalized insurance solutions have earned them a solid reputation in the industry. Serving clients across Florida, California, and Illinois, the Lynchburg office of D & S Agency boasts an impressive roster of employer clients, including Fink's Jewelers, Howell's Motor Freight Inc, James River Air Conditioning Company, and Plastics One Inc. This broad client base is a testament to D & S Agency's wide range of experience across various industries and client sizes. With their comprehensive expertise in building equipment contractors, specialized freight trucking, and plastics product manufacturing, D & S Agency is well-equipped to address the insurance needs of their clients. Their commitment to excellence is reflected in their favorable M Score, further solidifying their position as a trusted insurance partner in the Lynchburg area.

A&B Agency, located in Albany, NY, stands out as a notable insurance broker, particularly for employer benefits buyers. This larger office is part of a local brokerage firm, distinguished for its adept handling of midsize employers. Their expertise shines in catering to self-funded clients, offering tailored support to both local and regional employers. A key strength of A&B Agency is their profound knowledge and experience across various industries. They boast remarkable expertise in educational services, retail trade, and specialty food retailers, setting them apart in the insurance brokerage sector. Their portfolio of top clients is a testament to their capability and diverse service range. Bread Alone, a significant player in the specialty food retailers industry, with over 160 participants, benefits from their services. Similarly, Excelsior College Health Insurance Plan, operating in the educational services sector with more than 330 participants, and Tower Products from the retail trade industry with upwards of 190 participants, are also among their esteemed clients. This agency's ability to handle complex insurance needs for a variety of industries signifies their adaptability and comprehensive understanding of different market dynamics. Their approach is not one-size-fits-all but rather a nuanced and customized strategy that aligns with the specific requirements of each client. For employer benefits buyers, A&B Agency in Albany presents a compelling option, combining extensive industry experience, a strong local presence, and a proven track record of effectively managing the insurance needs of midsize employers across diverse sectors.

Beneficial Associates Inc is a financial services company based out of 115 Goldenrod Dr, Lynchburg, Virginia, United States.

Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement, and private client insurance solutions to organizations and individuals seeking limitless possibilities. With over 9,000 colleagues and 160 offices across the United States and Canada, MMA combines the personalized service model of a local consultant with the global resources and expertise of the world’s leading professional services firm, Marsh McLennan (NYSE: MMC). MMA generates more than $2 billion in annualized revenue, making it one of the largest brokerage operations in North America.

Trustpoint Insurance is an independent insurance agency selling property, general liability and professional liability, bonds, life and health products to commercial and individual clients throughout the United States. Coverage is offered through a variety of standard insurance companies directly represented by this agency and wholesale brokers. Our strength is in the quality and depth of our products and staff. People choose to do business with us because they believe in our ability to meet or exceed their expectations of price, service, and expertise. We emphasize the importance of good communication between agent and client to ensure you are offered customized coverage. Through these kinds of discussions our clients become better informed about risk exposure, risk management, risk transfer and getting the most value from every dollar of insurance premium.

We are people helping people, passionate to do what is best for our clients. Our agents are knowledgeable, professional, and know you. We endeavor to be your trusted insurance adviser, providing the right fit for your insurance needs. As one of the largest insurance agencies in the area, our clients enjoy access to hundreds of insurance companies with best-in-class pricing. We provide our clients all of the resources and benefits of a large agency without sacrificing the most important aspects: local customer service and management. Our agents are fully licensed and trained, providing comprehensive coverage to our clients and their businesses. Through our partnerships with many of the major insurance companies, we offer complete insurance packages, whether home, auto, business, or employee benefits.

Business Solutions, Inc, a local insurance broker headquartered in Salem, Virginia, is committed to delivering exceptional insurance solutions to clients across the state. With their expertise and dedication to customer service, they have earned high praise and ratings from satisfied clients. One notable example of their work in the Salem office is their collaboration with Turman & Assoc./Turman Hardwood, a prominent employer in the logging industry with 280 members. Business Solutions, Inc closely partnered with Turman & Assoc./Turman Hardwood's HR and finance team to design a comprehensive benefit package, including a self-funding arrangement, a customized PPO plan, and a pharmacy benefit management (PBM) and drug plan. These tailored solutions effectively meet the unique needs of the employer's members. Business Solutions, Inc brings extensive experience in working with self-funded employers and collaborating with clients and PPOs to meet member needs. Their expertise extends to serving large and midsize employers across various industries. Their client base in the Salem office includes notable organizations such as Coordinated Services Management Inc, Goodwill Industries of the Valleys Roanoke Office, National University Services Inc, and Roanoke College. This diverse portfolio showcases Business Solutions, Inc's ability to cater to the insurance needs of different sectors, including educational services, logging, and computer systems design, among others. As one of the top brokerages in the Roanoke, VA market, Business Solutions, Inc has earned a solid reputation for their extensive experience, wide-ranging expertise, and commitment to client satisfaction. Their good M Score reflects their proficiency in serving clients of varying sizes and industries. Clients consistently laud Business Solutions, Inc for their excellent customer service and insurance expertise. With a focus on delivering tailored solutions and a deep understanding of the insurance landscape, they continue to be a trusted partner for businesses in Virginia seeking reliable insurance coverage.

Scott Insurance, a division of James A. Scott & Son, Inc., is one of the largest independent, employee-owned providers of commercial insurance, employee benefits, risk management services, bonds, and financial management in the Southeast. In addition to providing comprehensive analyses of our clients'​ coverage needs, we pride ourselves on our trademarked, pro-active risk management services. Our dedicated team of Risk Performance Specialists offer risk occurrence prevention and claims management programs in the world of workers'​ compensation. Our Health Risk Performance Specialists provide employee wellness and financial health risk management programs for our clients'​ employee benefits needs. We have developed and currently lead property casualty and group health benefits captives. Scott has offices in Lynchburg, Richmond and Roanoke, Virginia; Charlotte, Greensboro and Raleigh, North Carolina; Greenville, South Carolina; and Knoxville and Nashville, Tennessee as well as Captive Insurance operations in the Grand Cayman and Vermont.