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.

ASR Group International, Inc. (ASR Group) is the world's largest refiner and marketer of cane sugar, with an annual production capacity of more than 6 million tons of sugar. The company produces a full line of grocery, industrial, food service and specialty sweetener products. Across North America, ASR Group owns and operates six sugar refineries, located in New York, California, Maryland, Louisiana, Canada and Mexico. In Europe, the company owns and operates sugar refineries in the United Kingdom, Portugal, and, with a joint venture partner, Italy. ASR Group also farms sugarcane and owns sugar mills in Mexico and Belize. The company's portfolio includes the leading brands Domino®, C&H®, Florida Crystals®, Redpath®, Tate & Lyle®, Lyle's®, Sidul® and Tellus®. ASR Group is owned by Florida-based cane sugar producer Florida Crystals Corporation. ASR Group owns Tellus Products, LLC, whose no added PFAS compostable products are made in the U.S. from U.S.-grown and imported plant fibers. For more information, visit www.ASR-Group.com.

At Benefit Group, we're on a mission to create great benefits. By simplifying the complex world of employee benefits, we empower businesses to attract, retain, and inspire their workforce. We challenge the status quo and ensure that mid-market companies receive the same level of expertise and service as larger firms. Our team of seasoned professionals are committed to providing tailored solutions that meet the unique needs of each client. By partnering with us, you're investing in the future of your business and the well-being of your employees. Put simply, Benefit Group is middle market, elevated.

Experience the Austin difference! We help organizations that are frustrated by the complexities of Health Care Reform and the rising costs of health care. Call us to schedule a consultation today 888-277-0077 or visit us at www.austinbenefits.com.

PM Group Benefit Advisors II, nestled in Detroit, MI, epitomizes an expansive hub of insurance expertise. As a larger office, their stronghold lies in navigating the intricate landscape of employer benefits, especially within the realms of self-funded clients. Their prowess extends beyond mere consultation; they are a beacon of insight into stop-loss mechanisms, limits, and intricate pharmacy cost dynamics. What sets them apart is their impressive portfolio, boasting partnerships with major players across diverse industries. Noteworthy collaborations include Better Made Snack Foods, Cranbrook Educational Community, and Detroit Country Day School, all pillars in their respective sectors, entrusting PM Group Benefit Advisors II with over 290 to 380+ participants. Their domain of excellence spans architectural, engineering, and related services, educational services, and even spectator sports industries. A part of a local brokerage firm, their roots in the community are deep, fostering a nuanced understanding of the local market's pulse. The office showcases a remarkable spectrum of experience, adeptly catering to the nuances of midsize, large, and small employers. This diverse range of clientele underpins their adaptive approach, ensuring tailored solutions for various scales of operation. In essence, PM Group Benefit Advisors II embodies a seasoned, versatile partner, leveraging their wealth of experience to deliver tailored, client-centric insurance solutions.

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.

InsuraSource 365, based in Detroit, MI, boasts a substantial and well-established office catering to the diverse needs of local and regional employers. With a proven track record, this larger office stands out for its extensive expertise in employer benefits, particularly in the realms of medical and ancillary benefits. Distinguished by a solid reputation, InsuraSource 365 has successfully served notable clients, exemplified by their collaboration with Hc Michigan in the management, scientific, and technical consulting services industry, Surge Resources in the employment services sector, and Vensure Employer Services, a key player in the employment services industry. Noteworthy is their commitment to addressing the unique challenges of midsize employers, showcasing a nuanced understanding of this crucial market segment. Operating within a local brokerage firm, InsuraSource 365 stands as a testament to its commitment to the community. Their proficiency spans multiple industries, including employment services and management, scientific, and technical consulting services. This diverse expertise positions them as a comprehensive solution provider for employers seeking tailored benefit packages. With a focus on collaboration and a deep understanding of the intricacies within various industries, InsuraSource 365's Detroit office emerges as a strategic partner for employers navigating the complexities of employee benefits.

Affordable Insurance Services Corp, situated in Detroit, MI, stands as a testament to specialized insurance solutions, particularly catering to the unique needs of midsize employers. Their proficiency in dealing with local and regional businesses has marked them as a prominent player in the insurance brokerage sector. This office is part of a local brokerage firm, which underscores its commitment to providing personalized and region-specific services. One of their notable achievements includes their exceptional work with Intellectt, a renowned name in the computer systems design and related services industry. Based in New Jersey, Intellectt has benefited from the broker’s expertise, entrusting the welfare of over 240 participants to their capable hands. This collaboration highlights Affordable Insurance Services Corp's capacity to handle significant accounts with precision and tailored care. Their expertise is not confined to a single industry. In fact, they have demonstrated a wide-ranging proficiency across various sectors, particularly in computer systems design and related services. This versatility allows them to provide bespoke insurance solutions that align perfectly with the distinct requirements of each industry they serve. The focus on medical and ancillary benefits sets this broker apart, ensuring they offer comprehensive packages that meet the diverse needs of their clients. This strategic approach to benefits planning is particularly beneficial for midsize employers who seek a balance between comprehensive coverage and cost-effectiveness. In essence, Affordable Insurance Services Corp in Detroit, MI, embodies a blend of local understanding, industry-wide expertise, and a commitment to tailored insurance solutions, making them a valuable asset for any midsize employer looking to enhance their employee benefits offerings.

Allied Insurance Managers, Inc., based in Detroit, MI, presents a robust portfolio of employer benefits, particularly excelling in the medical and ancillary benefits arena. This local brokerage firm, known for its expertise in the death care services industry, boasts significant clients like Mt Elliott Cemetery Association, serving over 70 participants in Michigan. Their position as an independent insurance agent empowers them to offer a wider range of choices compared to other agencies. They are recognized as licensed experts, guiding employers on risk management and loss minimization strategies. In response to the escalating costs of medical care, Allied Insurance Managers has developed a comprehensive suite of health, disability, and long-term care insurance options, essential for any financial plan. This includes life insurance, which plays a crucial role in helping families manage estate tax and funeral expenses. They offer tailored health insurance solutions, adapting to varying risk tolerances, accessibility requirements, and cost considerations, enabling employers to provide customized coverage for their teams. Additionally, their disability insurance plans are designed to protect against workplace injuries and provide coverage for employees who may become disabled on the job. They also offer long-term care insurance policies, allowing clients to choose coverage levels to suit their needs, whether for home care agencies or nursing facilities. This comprehensive approach, combined with their specialized knowledge in niche industries like death care services, makes Allied Insurance Managers a formidable choice for employer benefits in the Detroit, MI area.