• What’s Your Story?

    Every business and every person has a story with a past, present, and future. These stories are what get us out of bed every morning and make us great at what we do.

    Click on the images to learn more.

  • Commercial

    As an executive of your organization, you face many obstacles. One of the most challenging parts of your job is managing the risks you know are lurking around each and every corner. An even greater challenge is identifying emerging risks which you did not know existed in the first place.

    At Consolidated, we take the time to understand where you have come from and where you are going. After embracing your story, our process is designed to put you in control of the existing and emerging risks attempting to prevent your business from reaching its objectives.

  • Personal

    Your story is your life. There are no two lives in this world quite the same. Each has its own individual story. While some in the insurance industry would like you to believe there is a one size fits all product made for you and everyone else, we are here to tell you they are wrong.

    At Consolidated, we believe you have your own story with your own risks. The only way to reach your happily ever after while navigating the plot twists of life is to craft protection that is specific to you and no one else.

  • Benefits

    Health insurance is considered one of the top 3 concerns of business owners and employees. The days of reviewing a spreadsheet full of quote options and picking one have come and gone.

    Consolidated’s process has flipped the script for benefits. By understanding the cost drivers, staying current with compliance, and having creative strategies to deliver a proactive approach, we are changing the story for our clients and their employees.

  • Surety

    Surety and bonding is the lifeblood of a contractor’s business.

    Consolidated’s Surety Performance System is a proactive model created to provide structure around the elements needed to communicate your story to the bonding markets, maximize your work potential, and improve your business.

Latest Storylines

Zenjuries: Your Workers’ Compensation Solution

May 17, 2018

We’re always on the lookout for resources that help our clients better manage any kind of risk, because being in control of your risk profile helps you to tell a better story to insurers. Many businesses would agree that the world of workers’ compensation insurance is among their biggest headaches. The paperwork, regulatory requirements and…

The Mod Factor: Understanding Your Workers’ Compensation

May 9, 2018

First in a series on workers’ compensation coverage The Mod Factor. Sounds like a TV show from the 1970s, but it’s really a very important term in calculating and controlling your workers’ compensation costs. The term “mod factor” is shorthand for “experience modification factor,” and it’s the number that is applied as either a credit…

Health Plan Audits: What You Need

May 2, 2018

Much as the Internal Revenue Service has the authority to audit tax returns, the Department of Labor (DOL) has a broad mandate to investigate and audit an employee benefits plan’s compliance with the Employee Retirement Income Security Act (ERISA). Audits are performed by the DOL’s Employee Benefits Security Administration (EBSA), and will often focus on…

The Difference is Telling

We are not the only ones who love a good story. Insurance carriers and underwriters love them too. They want to know who you are and where you are going – and they will offer the best products and services at the most competitive rates to those who capture their attention.

"Working with Consolidated has been a pleasure over the past 5 years. The staff exemplifies professionalism and knowledge in the insurance products they offer. This ranges from receptionist, the producers, and account executives, up to senior management levels."

- Laura Risser, CIC, AAI, AU, AINS, CRIS, Territory Manager - Penn National Insurance

“I've worked with Consolidated for the last 25 years partnering with both Commercial and Personal Lines Departments. From every level of their organization, their standards of professionalism and customer service are truly second to none!"

- Jim Winterling - ICS Travel

“Consolidated is one of the finest independent agents in the country. The combination of experience, talent and commitment at Consolidated is powerful and enables the agency to deliver exceptional value for its customers."

- Tim Shields, CPCU, ARM, Regional Vice President - The Hanover Insurance Group

"I have had the pleasure of working with Consolidated since they were appointed with my company in 2011. The agency maintains a high standard of professionalism and clearly values the relationships with their insurance partners.

- Kyle Groff, Supervising Production Underwriter - Donegal Insurance Group

Our Process: A Story Well Told

At Consolidated, we work with you to build a story that underwriters can’t resist. By identifying the existing and emerging risks that can derail you from reaching your objectives, we make sure you are always ready for the next chapter.