LogoWe specialize in providing a complete spectrum of insurance.

Whether it be business insurance, group benefit planning for your employees fringe benefits package or individual policies we have you covered.

Business Strategies; Employee Benefits Packages, Compliance and Education

With over 35 years combined experience in the employee benefits market we have the ability to create a unique fringe benefits plan for your employees that is cost effective while maintaining a strict adherence to the benefits you choose to provide. Too many times we have seen and met with employer groups that feel trapped by the plans they are offering – this will not happen with our agency. From risk analysis, quoting, plan design and implementation, we encourage carrier competition on all levels. We like to think of ourselves as an extension of your Human Resources department when it comes to employee education, claims assistance and so on.

Risk Services

We pride ourselves on the ability to afford corporations of all sizes the access to our professional services in insurance purchasing, HR development, loss control and claims management. Our goal is to achieve the best possible results for you. Results are measured through competitive pricing, coverage enhancements, best of industry service. On the commercial side of the insurance spectrum – we take the time to truly learn your business. We’ve found that we can discover the needed coverage’s for all the business insurances required to run it cost effectively and more importantly – efficiently. Business Auto, D&O coverage, General Liability or whatever your needs, we feel that education concerning these critical policies is the key to a successful relationship with you.
In coordinating preparation of your specific program requirements, we look to foster competition amongst insurance companies, participate and design the proposal process tailored to your desires. We review the proposals with you, providing you the ability to make informed decisions, based upon the recommendations we make. The process and design of this entire process is to generate reductions in the overall cost of your insurance program.

Life Events Planning

We offer sound, expert advice on a variety of financial situations that individuals are likely to encounter over their lifetimes. The broad range of topics includes everything from simple tools for financial planning to exit strategies for business owners entering the twilight of their careers.

Healthcare Reform Initiatives

We’re actively involved with NAHU (National Association of Health Underwriters); sitting on the Board of Directors for the local Central Virginia Association of Health Underwriters (CVAHU) as the legislative chair.  NAHU constantly improves it’s members ability to meet the health, financial and retirement security needs of all Americans through education, advocacy and professional development.  Our clients can be rest assured that we’ll guide you  through the 2400+ page reform bill known commonly as PPACA and ObamaCare.

Tax Strategies

We offer information on suggested tax-savings opportunities that clients can implement immediately as it relates to insurance premiums. While we are not CPA’s ;  we’ve designed unique programs to compliment a health plan (while lowering premiums substantially) utilizing current strategies afforded businesses through the implementation of certain tax code provisions.

Professional Alliances with the broader Industry

We have aligned ourselves with proven industry leaders within the broader business spectrum.  If  you’re looking at changing payroll services, considering offering a complete Cafeteria plan, setting up of a 529 plan for employees to take advantage of – or simply looking to eliminate some of the invoicing headaches that go along with a fringe benefits package.  We have the partners that would appreciate the opportunity to meet with you as we consider them trusted family due to their passion, integrity and expertise in their respective fields.