Benefits & Insurance. Simplified.

St. Clair is your trusted partner in the insurance industry. Delivering comprehensive benefits and insurance solutions for your team and business.

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Our Partners
Anthem logo
United Healthcare logo
Kaiser Permanente logo
Cigna logo
California Choice logo
Blue Cross Blue Shield of California logo
HealthNet logo
Aetna logo
Principal logo
Gravie logo
Mutual of Omaha logo
Metlife logo
Allstate logo
Anthem logo
United Healthcare logo
Kaiser Permanente logo
Cigna logo
California Choice logo
Blue Cross Blue Shield of California logo
HealthNet logo
Aetna logo
Principal logo
Gravie logo
Mutual of Omaha logo
Metlife logo
Allstate logo

A Modern Approach to
Benefits & Insurance

As a family-owned insurance agency, St. Clair is dedicated to understanding you and your business on a personal level. With your goals in mind, our team will determine the benefits & insurance solutions that are right for you. We handle the details so you can focus on what matters most - the success of your business.

Strategic Benefits Consulting

We design benefits solutions tailored to your business goals. By analyzing industry trends and employee needs, we create strategies that enhance satisfaction and control costs. Partner with us for expert, innovative benefits planning that supports your long-term success.

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Your One-Stop-Shop

Other Services

St. Clair is a full-service insurance agency dedicated to supporting your business. We offer a wide range of services to help you manage employee benefits, stay compliant, and protect your business.

Alternative Benefits Solutions

Our Solutions

We offer a wide range of innovative benefit solutions, specifically designed to meet your unique business and financial objectives. As industry experts, we stay at the forefront of the latest advancements, ensuring that all potential options are thoroughly explored and made available to you.

Fully Insured
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  • Fixed premiums for easier budgeting.
  • Carrier assumes all risk.
  • Simplified administration with standard plan designs.
  • Compliance and regulatory concerns managed by the insurer.
  • Suitable for small to mid-sized businesses.
Level Funded
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  • Combines features of fully insured and self-funded plans.
  • Fixed monthly payments with potential refunds for low claims.
  • Greater transparency on healthcare spending.
  • Reduced financial risk compared to self-funding.
  • Ideal for businesses seeking cost control with predictability.
Self-Funded
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  • Employer assumes the risk and pays for actual claims.
  • Potential for significant savings with low claims.
  • Customizable plan designs to fit specific needs.
  • Access to detailed claims data for better management.
  • Best for larger businesses with stable cash flow.
Reference Based Pricing
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  • Payments based on a reference price for medical services.
  • Potential for significant cost savings.
  • Increased transparency in healthcare pricing.
  • May require employee education and provider negotiations.
  • Suitable for businesses seeking cost-effective alternatives.
Captives
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  • Group of employers jointly fund their own insurance.
  • Shared risk and cost among member companies.
  • Potential for lower premiums and improved cash flow.
  • Enhanced control over claims and underwriting.
  • Best for mid to large-sized companies with similar risk profiles.
MEC/MVP
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  • MEC (Minimum Essential Coverage) meets ACA requirements.
  • MVP (Minimum Value Plan) provides broader coverage.
  • Cost-effective options to comply with ACA mandates.
  • Helps avoid penalties while offering basic health benefits.
  • Suitable for businesses seeking affordable compliance solutions.
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What Our Amazing Clients Are Saying

Client Experiences

Connor and his team have been a delight to work with! They've made navigating our benefits so much easier. Every step of the way, they've been professional and thorough, making sure our employees understand their options. Highly recommend!

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Jessie
Controller, Construction

We are incredibly grateful to St. Clair for their exceptional work on our benefits. As a rapidly growing company, we needed a partner who truly understood our needs and could help us prepare for the future. The transition to the new benefits plan was easy and efficient, and our team now feels more confident about their coverage.  

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Ethan
CTO, Technology

Working with St. Clair has been such a smooth experience. They took the headache out of setting up our benefits. Their knowledge and communication were spot on, making the whole process stress-free. Managing our benefits has been so easy, thanks to them!

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Emily
Founder, Advertising

We partnered with Connor to completely redo our benefits, and the experience has been outstanding. His explanation of the different options made everything easy for us to understand. We used to handle enrollment ourselves, but he suggested bringing everything online and managed everything for us. I highly recommend their services to any business.

A smiling woman testimonial headshot.
Katherine
COO, Healthcare

St. Clair has been a reliable and knowledgeable partner for our company. Their expertise in compliance and benefits is unmatched. Their proactive approach and attention to detail have made managing our employee benefits straightforward and stress-free. We're grateful for their ongoing support - can’t say enough good things!

A smiling woman testimonial headshot.
Jason
CEO, Engineering

Let’s Get Started!

Get Better Benefits, Today.

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