For business owners and leaders who know their business and personal worlds are deeply connected
Insurance & Risk Management That Protects Your Business and Your Life
Running a business isn’t just about making a living. It’s about creating something meaningful—for your family, your employees, and your community.
And when something goes wrong, it’s never just business — it’s personal.
We know what it’s like to risk everything to build something great, and we’re here to help protect what matters most.
Stronger Protection. Lower Risk. Less Stress.
The Risk Management Problem Most Businesses and Individuals Face
You don’t separate your business life from your personal life — but your insurance probably does.
- Business policies don’t account for personal exposure
- Personal coverage doesn’t reflect your real business financial risk
- Rising insurance costs with little transparency or strategy
- Gaps between policies that only show up during a claim
- Multiple advisors, none looking at the full picture
- Reactive decisions instead of proactive planning
And when something happens — a claim, lawsuit, or loss —
it impacts both your company and your personal life.
Our Approach: It’s Personal. It’s Business.
We don’t treat your insurance like separate policies.
We treat it like what it actually is — one interconnected risk strategy.
- Your business risks can impact your personal assets
- Your personal liabilities can affect your financial future
- Your employees’ wellbeing impacts your business performance
So, we align everything:
- Commercial insurance
- Risk management programs
- Employee benefits
- Personal insurance
One strategy. One partner. Total protection.
Our Strength in Numbers
Founded
Top 20 Brokerage
2400+ Employees
185+ Branches
50 States Served
Comprehensive Insurance Solutions for Your Business and Your Personal Life
Here’s a look at what we offer to manage your risks effectively.
Select the area of your life you want to protect below to learn more.
Business Insurance & Risk Management
Commercial Insurance | Employee Benefits | HR Consulting
Comprehensive Business Insurance Solutions
Commercial Insurance
As a trusted advisor and leader in business insurance, we specialize in providing comprehensive Property and Casualty coverage tailored to meet your needs. Partnering with top insurance carriers, we help ensure that your business—no matter its size—receives the most cost-effective and reliable protection available.
- General Liability
- Property Insurance
- Business Interruption
- Workers’ Compensation
- Commercial Auto
- Umbrella / Excess Liability
- Professional Liability (E&O)
- Cyber Liability
- Directors & Officers (D&O)
- Employment Practices Liability (EPLI)
- Inland Marine
- Equipment Breakdown
- Industry-specific coverages and risk management
Risk Management & Loss Control
“An ounce of prevention is worth a pound of cure.”
This timeless wisdom applies just as much to your business as it does to your health.
Insurance alone isn’t enough. Our risk management services help you reduce losses, protect profitability, and prevent business and personal financial exposure.
- Workplace risk assessments
- Loss control and safety programs
- Employee safety training programs
- OSHA and other regulatory compliance support
- Incident response planning
- Contract review
- Claims advocacy and management
- Claims analysis and trend identification
Employee Benefits
We offer tailored plans to attract top talent while keeping costs under control. Our team understands that your employees are the backbone of your business, and we’re here to help you take care of them. We offer a range of coverages and services for healthier employees, stronger retention, and better control over one of your largest expenses.
- Employee benefits plan design (medical, dental, and vision plans)
- Level-funded, self-funded and captive strategies
- Voluntary benefits programs (Group Life, Group Long-Term Care, Accident, Cancer…etc.)
- Compliance and regulatory support
- Data-driven population health management and wellness for cost control
- Pharmacy cost management
- Wellness and engagement programs
- Enrollment support and decision guidance
- Personalized benefits communication support (web portals, videos, webinars, and other custom educational materials)
HR Consulting Services
Running a business is hard enough without the complexities of HR. Big needs, small projects, and everything in between – with our HR Consulting Practice, you have direct access to HR consultants without adding to payroll. We take care of your HR needs so you can focus on growing your dream.
- Flexible on-demand recruitment
- Virtual HR support with access to resource hub, toolkits, guides and more
- Specialty services (handbooks, HR assessments, exit interviews)
Comprehensive Protection for You and Your Family
Personal Insurance
Your success created a lifestyle worth protecting — and it needs the same level of strategy as your business.
Our personal insurance solutions can give you the peace of mind you need so you can focus on what matters most. We align your personal coverage with your business risks — so nothing falls through the cracks.
Take a look at some of the coverages and solutions we offer.
- Homeowners insurance (including high-value homes)
- Auto insurance
- Renters insurance
- Flood insurance
- Recreational Vehicle insurance
- Life insurance
- Long-Term Care coverage
- Umbrella coverage
- Jewelry, art, and collectibles coverage
- Secondary and vacation homes insurance
- Watercraft, yacht, and specialty assets coverage
- Umbrella/Excess Liability insurance
- Medicare coverage
Why Choose Hilb Group?
- One partner for business and personal insurance
- A holistic approach — not siloed policies
- Proactive risk management that prevents losses
- Cost control strategies across all lines
- Access to top carriers and alternative funding models
- Clear, responsive, relationship-driven service
- Guidance that reflects both your business and personal priorities
Simple 3-Step Process
Start the Conversation
We learn about your business, your responsibilities, and your personal risk exposure.
Build a Unified Strategy
We align your commercial, benefits, and personal insurance into one coordinated plan.
Ongoing Protection & Guidance
You get proactive support, not just renewals — across every area of your life.
What Our Clients Say
Protect What You’ve Built — In Business and in Life
Your business success and your personal life are connected. Your insurance should be too.
Schedule Your Risk & Coverage Review
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Frequently Asked Questions
Both. In fact, our approach is built around aligning your business and personal coverage.
Because gaps between the two are where major financial risks often occur — especially for owners and executives.
Yes. We look across all policies — business and personal — to identify efficiencies and savings opportunities through bundling and other best practices.
We become your single point of coordination — simplifying everything while improving protection.
COVERAGE DISCLAIMER: Any coverage and price related statement on this page does not amend, modify, or supplement any current or future insurance policy. It is not a guarantee of savings or services but reflect past client and broker experiences in the states where we are licensed. All clients and coverages are unique. Your results can and will vary. Your eligibility for products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. If there is a discrepancy between information contained herein and your policy, your policy takes precedence. Consult the actual policy or your licensed agent for details regarding terms, conditions, coverage, exclusions, products, services, and programs which may be available to you.
GENERAL INFORMATION DISCLAIMER: Statements on this website regarding insurance policies and coverages and other content provide general information only. There is no intentionally misleading information contained in this website, however, Hilb Group, provides no warranty as to their accuracy. We will endeavor to correct or clarify any incorrect information. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors.