Your Business
Needs. One Apex.
Most SMBs overpay 15–20% because their broker shops one carrier, not 150. Apex consolidates every policy under one independent expert who fights for your rate — every line, every renewal.
One Call.
Every Line.
No Runaround.
The average SMB owner spends 8+ hours a year managing three or four separate agents — and still ends up with coverage gaps. Apex collapses that into one relationship, one renewal, and one Apex that fights for your rate across every line.
across every line
for your best rate
One conversation. Every line. No agent who only knows half your risk.
A lawsuit, fire, or accident can wipe out years of growth in one event. We structure commercial coverage that actually protects your business — then shop it hard so you're not overpaying for it.
- General & Professional Liability
- Commercial Property & BOP
- Workers' Compensation
- Commercial Auto
The right life insurance keeps your business alive when the unexpected hits. Key-person coverage protects your bottom line. Group term life attracts and retains the talent your competitors are after.
- Group Term Life (employee benefit)
- Key-Person Life Insurance
- Buy-Sell Agreement Funding
- Executive & Voluntary Life
Health benefits are your #1 retention tool. We shop 150+ carriers — including level-funded plans that return surplus to you at year-end when your team stays healthy.
- Fully-Insured & Level-Funded
- ACA-Compliant Plans
- Multi-State Coverage
- Renewal Negotiation
Aging into Medicare while running a business is complicated. We simplify it — and make sure your Medicare coverage doesn't conflict with any group plan you're on.
- Medicare Advantage
- Medicare Supplement
- Part D Drug Plans
- Group-to-Medicare Transition
If your team is healthy, you could be funding your insurer's profits. Level-funded plans put that money back on the table — we'll show you the numbers and let you decide.
- Groups of 10–500 Employees
- Transparent Claims Reporting
- Potential Year-End Refunds
- Up to 20% Lower Than Fully-Insured
Top candidates compare total compensation — not just salary. Dental, vision, and disability round out your offering without significantly impacting your bottom line.
- Dental & Vision Plans
- Short & Long-Term Disability
- Supplemental Coverage
- 24-Month Rate Guarantees Available
Why Smart Businesses
Use an Independent Broker
When your insurer controls your options, they control your price. One independent broker changes that — 150+ carriers competing for your business every single renewal.
From First Call to
Covered in 4 Steps
No long forms, no pressure, no obligation. Most groups have quotes in hand within 48 hours.
10-Minute Conversation
Tell us about your team, states, and current coverage. No forms — just a quick call.
We Do the Shopping
We take your census to 150+ carriers simultaneously. You don't talk to a single one.
Clear Comparison
Side-by-side options with honest tradeoffs. You choose — we never push.
We Handle Everything
Enrollment, carrier coordination, mid-year changes — we own it so you don't have to.
Free Market
Analysis
Tell us about your business and we'll show you exactly what the market offers — including options you may never have been shown. Free, within 48 hours, zero obligation.