Comprehensive Employee Benefits for Growing Businesses
Strategic Benefit Solutions That
Attract Talent, Protect Your Team, and Sustain Your Growth.
We help small to mid-size business owners and HR professionals in NJ, NY, and PA design and manage employee benefit programs — from group health insurance to executive coverage — that attract and retain top talent while keeping premiums under control.
Are You Frustrated by:
DIY brokers
Confusing Benefits
Option Overwhelm
High Premiums
You’re Not Alone.
We understand the challenges you face: rising premiums, confusing compliance requirements, and an overwhelming number of plan options. That’s why we focus on what matters most — finding solutions that save you money, support your team, and protect your business long-term.
You’ve likely asked yourself these questions and more…
How can I lower premiums without sacrificing coverage?
How do I know which broker-advisor to trust?
Will switching plans have hidden consequences?
How do I know if I’m making the right decision?
When you work with us, you’re not just buying insurance — you’re building a partnership with a team that’s been guiding growing companies for three generations. We hand-hold you throughout the whole process to make sure you’re getting the best plan for your small to mid-size business.
Why Businesses Choose Spencer & Spencer
Experience. Service. Partnership.
We quote, set up, and service benefit programs that help companies provide Fortune 500-level coverage at competitive rates — all with a personal, boutique-style experience.
Comprehensive Quoting Process
We quote every available carrier and provide customized, easy-to-read comparisons to help you make confident, informed choices.
Dedicated Broker-Advisors
Each client works directly with a seasoned expert — not a rotating team. Our brokers average 18+ years of experience and tap into 50+ years of working with businesses, ensuring reliability and personal attention.
Full-Service Support All Year Long
We don’t disappear after enrollment. Our professional, fully trained service team with an average of 15+ years of experience handles everything from carrier follow-ups to renewals. We’re known for our quick response times and dependable service.
Core Services
Group Health Insurance
Affordable, customizable plans from every major carrier.
Ancillary Benefits
Dental, vision, life, and disability coverage that strengthen retention.
Owner & Key Employee Benefits
Executive-level strategies that protect leadership and plan for growth.
Strategic Partnership
Advisory guidance to align benefits with your long-term business goals.
How We Simplify the Benefits Process
We understand that premiums on health insurance increase every year, making it difficult to find coverage at affordable rates. Our process has helped hundreds of companies save money on premiums. We make employee benefits straightforward, transparent, and stress-free.
Here’s how we work with you:
🡺 Discovery Consultation – We learn about your business, team size, and coverage needs.
🡺 Custom Quoting – We compare every major carrier and create easy-to-understand spreadsheets to show side-by-side plan options.
🡺 Guided Recommendations – We explain coverage differences and answer every question before you decide.
🡺 Implementation & Setup – We complete all paperwork, submit applications, and ensure your plan is installed correctly.
🡺 Ongoing Service & Renewal – We handle employee changes, answer questions year-round, and re-shop the market at renewal to uncover new savings.
Three Generations of Trust, Service, and Integrity
For over 50 years, Spencer & Spencer has helped small to mid-sized businesses in New Jersey and New York design benefit programs that protect their people and strengthen their culture.
As a family-owned, third-generation employee benefits brokerage and advisory firm, we combine the reach of a large brokerage with the personal service of a boutique advisor — bringing clarity, consistency, and care to every client relationship.
Our team holds advanced industry designations — including the CFP® (Certified Financial Planner) — representing our deep understanding of strategic benefit planning and financial guidance.
Our mission is simple: to help growing companies protect their teams, strengthen loyalty, and plan confidently for the future.
Insurance Carriers We Work With
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Insurance Carriers We Work With
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Frequently Asked Questions
How are you compensated?
Our commission is already built into your premium — whether or not you work with a broker. That means you receive expert support and full-service guidance at no additional cost.
How are you different from other brokers?
We’re not part-time agents juggling multiple lines. Group health insurance is our core focus, and our brokers stay on top of every market change to deliver accurate, strategic guidance.
How many employees do I need to qualify for group coverage?
Most carriers require at least two full-time employees, though some exceptions exist for family-owned businesses. We’ll help determine eligibility and options based on your company structure.
Can I get the same plans directly from an insurance company?
Yes — but the price is identical, and you won’t receive the guidance or service we provide. Our clients get full access to all carriers, handled by professionals who manage every step.
Do you handle dental, vision, life, and disability too?
Absolutely. Ancillary benefits are key to retention and morale. We design these add-ons to integrate smoothly with your core health plan.
How often should I review my benefits?
At least once per year. We re-quote and review all plans annually to ensure you’re getting the best available options at the most competitive rates.
Ready to Simplify Your Benefits — and Strengthen Your Business?
Schedule your free consultation today and discover how much you could save on group health insurance. We’ve helped hundreds of NJ, NY, and PA businesses create employee benefit programs that attract great people, reduce costs, and build long-term loyalty.