Koppinger & Associates is a team of dedicated and experienced advisors committed to helping clients better understand specific needs in protecting their business assets, reputation, and bottom line. They help their clients build strong organizations by driving growth and generating results with solutions that take their business to the next level.

Among many advantages enjoyed by clients of VTC Insurance Group is the simple convenience of having a single source for every risk management need, regardless of scope or scale. We're honored to be the largest independent insurance and surety provider in Michigan, while serving clients in all 50 states. Our size also means we're better equipped to negotiate, on your behalf, the best-value coverage from top-rated carriers, with a broad menu of custom-tailored products. • Business Insurance • Surety Bonds • Employee Benefits • Personal Insurance • Strategic Risk Management • Coordinated Loss Control Services • Comprehensive Claims Management SIXTY YEARS OF UNIQUE SERVICE Since VTC Insurance Group was founded in 1957, a lot has changed. The economic landscape. Shifting regulatory and compliance forces. The sheer velocity of business, and of life. Of course, we’ve changed, too. Our company, our service lines, our carrier network, our technologies… all have expanded and improved. But from day one, the single most important factor driving that growth is the one thing that has never changed: our simple, person-to-person commitment to your success. We work hard on behalf of our customers. We anticipate their needs. And we keep our promises. Ours is a unique service philosophy. Every VTC associate is accountable to promises made, to meeting an urgent need with an urgent response, and to providing the trusted guidance that’s been our hallmark from day one. Guidance our clients count on to stay informed. Prepared. And confident for what’s next.

We give unbiased, no-conflict-of-interest, honest advice. We help our clients build their net worth while keeping their values intact. We offer attentive service and solutions that are tailored to each person's unique needs. We work with people who want to build a long-term relationship with a financial advisor who cares about their future. Our client's success is our success

Choice Hotels International, Inc. (NYSE: CHH) is one of the largest lodging franchisors in the world. The challenger in upscale and a leader in midscale and extended stay, Choice® has nearly 7,500 hotels, representing more than 630,000 rooms, in 45 countries and territories. A diverse portfolio of 22 brands that range from full-service upper upscale properties to midscale, extended stay, and economy enables Choice® to meet travelers' needs in more places and for more occasions while driving more value for franchise owners and shareholders. The award-winning Choice Privileges® rewards program and co-brand credit card options provide members with a fast and easy way to earn reward nights and personalized perks. For more information, visit www.choicehotels.com. At our worldwide corporate headquarters in the Washington metropolitan area (North Bethesda, MD), our IT center in Scottsdale, AZ, and Minneapolis, MN, and through our associates across the globe, we keep those hotels humming by serving as a champion for our franchisees. When you #MakeItYourChoice, you will have the environment, the tools, and the momentum to drive your career and organizational success.

Lau & Lau Associates, LLC, located in Detroit, MI, boasts a substantial office with a seasoned team adept at catering to the diverse needs of employers. Specializing in employer benefits, this larger office has proven expertise in serving both small and midsize clients. Their local roots, as part of a distinguished local brokerage firm, contribute to their nuanced understanding of the regional business landscape. A standout feature is their proficiency in supporting self-funded clients, a testament to their comprehensive approach to insurance solutions. This office has successfully collaborated with notable businesses, such as Butzel Long A Professional Corporation, a legal services industry leader with over 160 participants, Covenant Community Care in health practitioners' offices with 140+ participants, and Judson Center in individual and family services with an impressive 380+ participants. Lau & Lau Associates, LLC excels across various industries, including automobile dealerships, management, scientific, and technical consulting services, as well as individual and family services. Their commitment to client success is underscored by their tailored strategies for each sector. With a track record of serving clients with diverse participant sizes, this office in Detroit, MI, stands out for its local market understanding and commitment to delivering comprehensive insurance solutions for employers.

Security First Benefits Corporation solves clients'​ insurance and financial needs by providing quality products and services in the areas of employee benefits; investment programs; and life, health, and disability insurance. Most employers are overwhelmed by the inordinate amount of time, effort, and money they expend evaluating, implementing, and administering their executive and employee benefits plans. To better serve our customers, Security First Benefits Corporation has developed a comprehensive system to perform all these functions.

Bris Employee Benefit Solutions in Detroit, MI, stands out as a comprehensive insurance brokerage, specializing in delivering tailored solutions for a wide spectrum of employer sizes, from small to large businesses. This large office is particularly skilled in managing the complex needs of self-funded clients, offering deep insights into critical aspects such as stop loss, limits, pharmacy costs, and broader HR consulting services. Their expertise extends across diverse industries, including motor vehicle parts manufacturing, plastics product manufacturing, and steel product manufacturing from purchased steel. This breadth of knowledge allows them to cater to the unique challenges and opportunities within these sectors. The Detroit office has been instrumental in servicing prominent local clients, demonstrating their capacity to handle sizable and intricate employee benefits programs. Key clients include American Plastic Toys in the plastics product manufacturing industry, with over 90 participants, highlighting their proficiency in medium-scale operations. They also cater to larger entities like Bmw Kar Wash Dba Jax Kar Wash in the oilseed and grain farming industry, with more than 190 participants, and Conti Services in the management of companies and enterprises sector, supporting over 460 participants. These collaborations illustrate their versatility and capability to address varied client needs effectively. As part of a local brokerage firm, Bris Employee Benefit Solutions brings a personalized touch to their services, combining local market understanding with a broad spectrum of industry knowledge. Their adaptability to work with employers of all sizes, coupled with their extensive experience in various industries, makes them a valuable partner for businesses seeking comprehensive and customized employee benefit solutions.

Macqueen & Associates, a local insurance consultant headquartered in Berkley, Michigan, is dedicated to serving large and midsize employers. With a strong emphasis on client satisfaction, they possess extensive experience in working with HMOs and PPOs to meet the unique needs of their clients. A notable example of their expertise in this office location is their partnership with the Board of Trustees, Iron Workers Local No. 25, an employer with 2020 members in the nonresidential building construction industry. Macqueen & Associates collaborated closely with their HR and finance team to design a comprehensive HMO plan, as well as a customized PBM and drug plan tailored to the specific requirements of the members. This showcases their ability to provide specialized insurance solutions that prioritize the well-being of the insured individuals. Macqueen & Associates stands out with their exceptional M Score, one of the highest possible. This rating reflects their vast experience and expertise across different client sizes, industries, and products. Their deep understanding of the insurance landscape enables them to deliver comprehensive coverage and valuable insights to their clients. With a strong focus on building equipment contractors, business and professional organizations, as well as insurance and employee benefit funds, Macqueen & Associates boasts a broad range of industry expertise. Their office in Berkley, Michigan, caters to clients in the state as well as in West Virginia. Among their esteemed employer clients in this location are the Board of Trustees Michiana Electrical Workers Health & Welfare Fund, Board of Trustees Ibew Local 17 Health and Welfare Fund, Board of Trustees Iuoe Local 324 Health & Welfare Fund, and Board of Trustees of The Ua Local Union No. 51 Health & Welfare Plan. In conclusion, Macqueen & Associates is a highly regarded local insurance consultant based in Berkley, Michigan, specializing in serving large and midsize employers. Their strong experience with HMOs and PPOs, coupled with their commitment to delivering tailored insurance solutions, distinguishes them in the industry. With a diverse range of expertise spanning multiple industries, Macqueen & Associates is a trusted partner for businesses seeking comprehensive and customized insurance coverage.

Franklin Benefit Solutions is a reputable local insurance broker based in Grand Blanc, Michigan. With a strong presence in the Flint, MI market, they have garnered a reputation as one of the top brokerages in the area. Their office location in Grand Blanc allows them to serve clients across Michigan, providing a wide range of insurance solutions tailored to meet their unique needs. One notable example of Franklin Benefit Solutions' expertise lies in their partnership with the Ennis Center For Children, a prominent employer in the individual and family services industry. Collaborating closely with their HR and finance team, Franklin Benefit Solutions successfully set up a self-funding arrangement, HMO plan, PBM, and drug plan that catered specifically to the needs of Ennis Center For Children's 160 members. This experience highlights the broker's proficiency in working with self-funded employers and their commitment to designing comprehensive insurance solutions. Moreover, Franklin Benefit Solutions possesses extensive experience in working with clients and PPOs to ensure that member needs are met effectively. They also have a strong understanding of PBMs and other specialized pharmacy providers. Serving clients of midsize employers, Franklin Benefit Solutions has established relationships with notable organizations such as Human Development Commission and Richfield Industries. With a good M Score, Franklin Benefit Solutions demonstrates their broad expertise and experience across different client sizes and industries. Their outstanding customer service and profound knowledge have earned them high ratings and positive reviews from satisfied clients. Franklin Benefit Solutions remains dedicated to delivering excellent insurance brokerage services that address the distinct requirements of their diverse clientele.