About Benefit Risk Advisors.
The commercial property and casualty arm of Health Logistics Group — and the front door to HLG's captive insurance programs.
Two roles, one advisor.
Benefit Risk Advisors places commercial auto, workers compensation, general liability, and medical malpractice coverage for businesses with complex risk profiles — with specific expertise in gig economy operators, last-mile delivery contractors, and fleet-based businesses.
BRA is also the advisory and management layer for HLG's captive insurance programs. When an employer wants to explore self-insurance through a captive structure, BRA evaluates the risk portfolio, qualifies the employer, and manages the captive relationship. The captive itself — under Benefit Re — is where the risk sits. BRA is the front door.
"While you call them risk expenses, we call them benefits."
Practice leadership.
Detailed leadership profiles will appear here as the practice team is finalized. In the meantime, every conversation with BRA runs through senior advisors.
Practice Leader
To be announced
Practice leader and senior advisor profiles will be published here as the team is finalized.
Senior Advisor
To be announced
Practice leader and senior advisor profiles will be published here as the team is finalized.
BRA doesn't operate alone — it's an ecosystem.
Three sister companies make BRA's captive and multi-line strategy possible. We design; they hold and administer. One ecosystem.
Licensed carrier
Benefit Re Insurance
Underwrites and houses the risk for captive programs designed by BRA. Also backs First Choice Health Plan and other HLG group health products.
Third-party administrator
MBA TPA
Benefits administration for employers in captive programs. Eligibility, claims processing, billing, and compliance.
Parent organization
Health Logistics Group
The ecosystem behind BRA — eight portfolio companies covering health benefits, P&C, payments, and direct care.
Carrier paper. Third-party admin. P&C placement. Captive design.
Most brokers can place coverage. Few can also house the risk they place, administer the benefits attached to it, and coordinate the relationship across multiple lines under one ownership group. Our ecosystem makes that possible.