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Today's savvy insurance buyers demand a comprehensive and user-friendly product as well as broad, cost-effective protection. They want quality carriers at a low cost and more service and attention than ever. Carriers are in a competitive, consumer-driven environment. New providers and alternative means of distribution entice buyers, and insurers must adapt or they will miss the market entirely. Agents and brokers must redefine their roles in order to keep their clients and service them professionally and profitably. Program Brokerage Corporation (PBC) is the wholesale subsidiary of HUB International Group Northeast Inc. A powerful market resource for brokers and agents, we are also a partner for carriers reaching out to the commercial insurance buyer in innovative, cost-effective ways. We’ve pioneered in Purchasing Group Insurance buying, an approach that has now won popular acclaim. With experience, resourcefulness, financial backing, strong administration and IT teams, we have enough conviction to participate with our own money on both the claims and expense side. We have a strong focus on underwriting and claims handling and legal expertise. This translates to a win for the producer, a win for the carriers, and a win for the insured. Let us tell you why and how.