Peoples First Insurance is one of Florida’s oldest and most respected independent insurance, bonding and risk management providers. Our rich history started OVER 100 years ago in June 1912 when Black Insurance Agency was formed. Peoples First Insurance acquired the Agency and its staff in 2000, and merged core values of providing the best insurance solutions while having the most satisfied customers. These core values continue to live today with trained professionals that carry many of the highest designations within the insurance industry. Our plan is to continue to provide new and innovative ways of offering proactive insurance, bonding and risk management services to meet the unique needs of our clients and those in our community. There is over 215 years of combined Insurance experience in our Panama City office and we are currently licensed in 7 states. Peoples First Insurance wrote over $16,500,000 in Property and Casualty premiums last year ranging from small commercial buildings to large Multi-Property Management companies. We are the top producing Insurance Agency in Bay and surrounding counties. Our message will not change and we continue to hold on to our roots planted almost 100 years ago. We are fundamentally in the business of building long term relationships. Our mission is simple… “To be the number one insurance, bonding and risk management provider in our community by offering service, value and integrity that exceeds our client’s expectations. Our mission is simple…”To be the number one insurance, bonding and risk management provider in our community by offering service, value and integrity that exceeds our client’s expectations.” Our belief is strong…”We are fundamentally in the business of building long term relationships.” Our number one core value…”To have the most satisfied customers.” Our name is our pledge…We Put People First

Gaston H. Gage Jr.'s Charlotte, NC office is a trusted insurance broker, excelling in providing expert services to local and regional employers, specializing in comprehensive medical and ancillary benefits. With a dedicated focus on employer benefits, they bring valuable expertise to the table. This office has a proven track record of catering to various industries, showcasing particular strength in serving companies like Marsh Furniture Company. A prominent player in the veneer, plywood, and engineered wood product manufacturing sector in NC, Marsh Furniture Company relies on Gaston H. Gage Jr. to manage benefits for their 150+ participants. Similarly, Monroe Hardware Company, operating in the hardware, plumbing, and heating equipment and supplies merchant wholesalers industry, benefits from Gaston H. Gage Jr.'s services for their 80+ participants. Gaston H. Gage Jr.'s team exhibits in-depth knowledge across diverse industries, including hardware and plumbing, heating equipment, and supplies merchant wholesalers. As part of a local brokerage firm, they offer a personalized and community-centric approach to insurance solutions, ensuring that each client's unique needs are met with precision and care.

Partners Together - Endless Possibilities Hilb Group provides the resources of a big insurance broker and the attentive, personal service of a small agency. Our people are our greatest strength. Our values of trust, passion, integrity and growth drive our actions to benefit every client. Managing Risk Your risk profile doesn’t matter – Hilb paints a very wide portrait. We have more than 30 industry specialties, which gives our clients and brokers a unique advantage. We form enduring partnerships to get the best results every time, and work with the top insurers to provide a huge range of high-quality choices, matched exactly to your needs. About Hilb Group Founded in 2009, Hilb Group is a Top 25 middle market independent insurance broker. Hilb Group offers expertise in property & casualty, employee benefits, and retirement services to business and individuals throughout the nation.

At Mercer, we believe in building brighter futures. Together, our 25,000 employees in over 130 counties are helping redefine the future of work, reshape retirement and investment outcomes, and unlock real health and well-being. For over 75 years, we’ve provided trusted advice and solutions to build healthier and more sustainable futures for our clients, colleagues and communities. Balancing economics and empathy in our approach, we work side by side with you to find solutions to benefit your people and your business. By turning ideas into actions that spark positive change, we help you enrich employees’ lives and careers and drive innovation, progress and performance. Mercer is a business of Marsh McLennan. Get to know us better: Click the “learn more” button at the top of the page to discover everything we do to help you meet the needs of today and tomorrow. Follow us on Twitter at @Mercer.

ECM Solutions is a trusted local insurance consultant based in Charlotte, North Carolina, with a proven track record of serving clients across various industries. Their extensive expertise and experience make them a top choice for employers of all sizes, ranging from large corporations to midsize and small businesses. The Charlotte office of ECM Solutions showcases their successful collaboration with Party Reflections Inc, a notable employer in the special food services industry. Working closely with Party Reflections' HR and finance team, ECM Solutions designed a customized self-funding arrangement and PPO plan to cater to the unique needs of their 60 members. This personalized approach ensured comprehensive coverage that aligned with Party Reflections' requirements effectively. With a diverse client base, ECM Solutions has established a strong reputation in the insurance industry. They have one of the highest M Scores possible, reflecting their broad range of experience and expertise across client sizes, industries, and products. Their exceptional service and commitment to meeting client needs have earned them high praise from satisfied customers. ECM Solutions has deep expertise in various sectors, including foundation, structure, and building exterior contractors, specialty trade contractors, and cement and concrete product manufacturing. Their knowledge of these industries allows them to offer tailored insurance solutions that address the unique risks and challenges faced by businesses in these sectors. In addition to Party Reflections Inc, ECM Solutions serves a wide range of employer clients, including Combs Concrete Construction Co., Ortec Inc, Roechling Automotive Duncan, and American Roller Bearing Company. For businesses seeking comprehensive insurance solutions, ECM Solutions is a trusted partner. Their local presence, industry expertise, and commitment to exceptional service make them a reliable choice for employers in Charlotte, North Carolina, and beyond.

Mbl Advisors, situated in the heart of Charlotte, NC, stands as a prominent insurance broker renowned for its exceptional expertise in catering to the needs of local and regional employers. Specializing in medical and ancillary benefits, this office has solidified its reputation as a trusted partner in the complex landscape of employer benefits. One notable feather in their cap is their successful collaboration with Augusta National, an illustrious entity in the amusement and recreation industries based in GA. Mbl Advisors has played a pivotal role in providing comprehensive insurance solutions for Augusta National, boasting a participant base of over 650 individuals. This accomplishment reflects Mbl Advisors' ability to navigate and excel in high-stakes industries, showcasing their proficiency in tailoring insurance packages to meet the diverse needs of clients. Operating as part of a local brokerage firm, Mbl Advisors brings a unique blend of localized insights and industry-wide expertise to the table. This synergy enables them to deliver tailored solutions that align seamlessly with the goals and requirements of their clients. With a commitment to excellence and a track record of serving top-tier customers, Mbl Advisors in Charlotte, NC, emerges as a strategic ally for employers seeking comprehensive and customized benefits solutions.

E Powered Benefits, located in the vibrant city of Charlotte, NC, is a well-established insurance broker with a strong presence in the region. As one of the larger offices within their network, they bring a wealth of experience and expertise to the table, making them an excellent choice for employers seeking comprehensive benefits solutions. One of E Powered Benefits' standout strengths is their proficiency in working with self-funded clients. Their ability to tailor insurance packages to meet the unique needs of local and regional employers sets them apart in the industry. Their diverse client portfolio includes prominent businesses such as Rga Enterprises, specializing in waste management and remediation services with over 110 participants, Spuntech Industries, a leading name in miscellaneous manufacturing with 200+ participants, and Cresa Global, engaged in activities related to real estate, boasting an impressive 330+ participants. E Powered Benefits' specialized knowledge extends across various industries, including forest nurseries and the gathering of forest products, activities related to real estate, and foundries. This breadth of expertise ensures that they can provide tailored solutions regardless of the sector. Being part of a local brokerage firm, E Powered Benefits combines their local insights with the resources of a larger network, delivering the best of both worlds. With significant experience in serving midsize employers, they are well-equipped to address the unique challenges and opportunities that these businesses face. For employers seeking a trusted partner in navigating the complex world of employee benefits, E Powered Benefits in Charlotte, NC, is a top-tier choice.

Ruffin Insurance Solutions, Inc is a prominent local insurance broker based in Charlotte, North Carolina, catering to clients of large employers across multiple states including Tennessee, Arkansas, Missouri, Mississippi, Georgia, Alabama, and North Carolina. With their specialized expertise in the information industry, Ruffin Insurance Solutions, Inc has established a reputation for providing exceptional insurance services to a diverse range of clients. One notable example of their exemplary work is their collaboration with FloQast, a reputable employer in the information industry with 370 employees. Ruffin Insurance Solutions, Inc partnered closely with FloQast's HR and finance team to devise a tailored self-funding arrangement specifically designed to meet the unique needs of FloQast's members. This collaboration demonstrated their commitment to understanding and addressing the distinctive requirements of their clients. At their Charlotte office, Ruffin Insurance Solutions, Inc has successfully built a strong client base that includes renowned employers like FloQast. Their extensive experience in serving clients across the information industry has equipped them with the necessary expertise to navigate the complexities and nuances of this sector. Ruffin Insurance Solutions, Inc strives to provide comprehensive insurance solutions that safeguard their clients' interests while aligning with their organizational goals. With their local presence and deep knowledge of the insurance landscape, Ruffin Insurance Solutions, Inc has become a trusted partner for employers seeking reliable insurance brokerage services in the Charlotte region. Their commitment to understanding their clients' specific requirements, coupled with their expertise across information industries, sets them apart as a leading insurance broker in the area