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 are a single-source financial solutions provider dedicated to driving positive change while supporting the growth and ambitions of asset managers, allocators, financial institutions, and family offices around the world. Established in Bermuda in 2003, we have continually disrupted the industry through our investment in innovation and talent. Today, we set the pace in fund and asset servicing and stand out for our unique single-source solution and unified cross asset-class platform which supports the entire value chain, harnesses leading innovative technology, and benefits from cross-jurisdictional expertise delivered by a long-standing management team and over 13,000 highly integrated professionals. As a pioneering data and fintech-enabled company, we are a disruptor driving digital tools into fund and asset servicing. However, our vision to drive positive change extends beyond the industry. The Apex Foundation, a not-for-profit entity, is our passionate commitment to empower sustainable change.

A healthier approach to managing the high cost of healthcare: BeneRē is a revolutionary group captive insurance solution that maximizes value for employees while providing a welcome dose of transparency regarding claims, commissions, and expenses. Changing the way people view supplemental insurance: What began as a simple concept to help protect employees from catastrophic medical expenses has now become a proven supplemental benefits program that is revolutionizing the insurance industry. Discover how BeneRē has become a reassuring solution for employees struggling with large medical financial exposures.

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.

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.

As a privately owned company and an industry leader in benefits consulting, our only priority is providing excellent service to our clients. Our experienced team of insurance professionals represent hundreds of diverse Michigan-based clients, some with multi-state locations. From strategic decision tools and plan modeling/analytics to innovative communication strategies our clients receive best in class advice and service. We demonstrate integrity and honesty each and every day in the way we serve our clients. We stand by the products and services we provide and hold ourselves accountable for the well-being of our clients and their employees It is for these reasons and many more that companies of all sizes and industries choose to be represented by The Timberland Group.

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.