Great Harbor Benefits

What Great Harbor Benefits does

Great Harbor Benefits Insurance Agency LLC is an independent health insurance brokerage and HR support firm headquartered at 101 Town Hall Square in Falmouth, Massachusetts, serving businesses, self-employed individuals, and seniors across Massachusetts and the broader New England region. Founded in 1994, the company operates on a consultative, sales-led model offering free initial phone and email consultations to assess each client's employee population and benefits needs. Its primary customer segment is small to mid-sized businesses seeking group health insurance and HR compliance support, with secondary segments including individual/senior consumers and self-employed individuals seeking Medicare Supplement, Medicare Part D, and individual health coverage.

The company's product portfolio spans core insurance brokerage (Group Health Insurance for Employees, Medicare Supplement Plans, Individual Health Insurance, Health Insurance for the Self-Employed, Senior Health Insurance) and an accompanying HR services layer (HR Support with employee handbook development, HR library access, employee education and training; Mineral Intelligence compliance platform integration; COBRA support; Massachusetts PFML compliance support; Massachusetts Earned Sick Time compliance support). The firm earns placement and recurring commissions from major Massachusetts carriers including Blue Cross Blue Shield, Harvard Pilgrim Health Care, Tufts Health Plan, AllWays Health Partners, and HSA Insurance, while bundling downloadable compliance resources (Mass PFML guides, employee handbook templates, CARES Act health plan guides) to drive top-of-funnel engagement. Pricing is quote-based and not publicly disclosed, with a monthly cadence reflected in ongoing carrier commissions rather than a fixed subscription to the client.

Distribution is single-channel direct sales — outreach by phone (508-540-7940) and email ([email protected]) — supported by content marketing through an e-newsletter, blog, and gated PDF downloads. The company is privately held as an LLC with no parent entity, no institutional investors, no funding history, and no disclosed financial scale, consistent with an owner-operated regional brokerage rather than a venture-backed platform.

Name

Great Harbor Benefits

Legal name

Great Harbor Benefits Insurance Agency LLC

Website

https://greatharborbenefits.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Great Harbor Benefits is a Falmouth, Massachusetts-based independent health insurance brokerage and HR support agency, serving small to mid-sized businesses, self-employed individuals, and seniors with group health, Medicare Supplement, individual plans, and Massachusetts compliance services.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Employee Benefits Services

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Benefits Administration (BPACAPAC)

akta.pro secondary industries

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK), Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB)

Keywords

• Employee benefits brokerage
• Health insurance consulting
• HR compliance support
• Group health plans
• Medicare supplement plans

Headquarters

HQ city

Falmouth

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations

Revenue model

1. Insurance Brokerage Commissions: The company operates as an insurance agency earning commissions from insurance carriers for placing business and individual health insurance policies. Revenue is generated through placement fees and ongoing commissions from insurance carriers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Great Harbor Benefits Insurance Agency LLC is an independent insurance brokerage and HR support firm that places group health, individual, self-employed, and Medicare supplement plans with top-rated carriers on behalf of Massachusetts employers and consumers. Alongside insurance placement, the firm delivers ongoing HR support including employee handbooks, HR library access, employee training, and compliance assistance for Massachusetts-specific regulations such as Mass PFML, Mass Earned Sick Time, FMLA, and COBRA.

Product overview

Great Harbor Benefits Insurance Agency LLC is a health insurance agency and HR support company serving businesses, self-employed individuals, and seniors in Massachusetts. The company offers a portfolio of insurance products including Health Insurance for Employees (group plans), Medicare Supplement Plans, Individual Health Insurance, and Health Insurance for Self-Employed. Supporting these core insurance offerings are service modules including Human Resource (HR) Support (employee handbooks, HR specialists, compliance), Mineral Intelligence (compliance and risk management platform), COBRA Support Services, Mass Paid Family Medical Leave (PFML) Support, and Mass Earned Sick Time Support. The company acts as an insurance broker, negotiating with top-rated insurers to provide customized benefit options.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Insurance for Employees

Quantifiable outcome

• HSA contribution limits for 2025: $4,300 for self-only, $8,550 for family coverage

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core.

• Mineral IntelligencecoreImplementation/ SI/ Consulting PartnerMineral Intelligence provides a comprehensive HR compliance and support platform offering solutions for compliance, HR, risk management, wellness, safety, and business needs. Great Harbor Benefits clients receive access to forms, notices, disclosures, and up-to-date HR resources through this platform.
• Blue Cross Blue ShieldcoreTechnology or IntegrationBlue Cross Blue Shield is a major health insurance carrier whose member portal is integrated into Great Harbor Benefits' service offerings, allowing clients to find doctors, hospitals, and manage their accounts.
• Harvard Pilgrim Health CarecoreTechnology or IntegrationHarvard Pilgrim Health Care is a health insurance carrier whose member portal is integrated into Great Harbor Benefits' service offerings.
• Tufts Health PlancoreTechnology or IntegrationTufts Health Plan (including Tufts Health Direct focus network) is an insurance carrier whose member portal is integrated into Great Harbor Benefits' service offerings.
• AllWays Health PartnerscoreTechnology or IntegrationAllWays Health Partners is a health insurance carrier whose member portal is integrated into Great Harbor Benefits' service offerings.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Emerging players

• Justworks: Justworks is a PEO providing payroll, benefits administration, and HR support to small/mid-sized businesses. It competes with Great Harbor for the same SMB benefits and HR support wallet, using a tech-enabled, bundled model rather than a traditional brokerage approach.
• Gusto: Gusto is a payroll, benefits, and HR platform serving small businesses, including health insurance brokerage and administration. Comparable to Great Harbor as an SMB benefits provider, but differentiated by a fully digital, self-service model rather than consultative brokerage.

Broad incumbents

• AssuredPartners: AssuredPartners is a large U.S. insurance brokerage providing employee benefits, commercial, and personal insurance. Comparable to Great Harbor as a benefits broker for mid-market and small employers, with substantially larger scale and broader geographic reach.
• USI Insurance Services: USI is a large U.S. insurance brokerage and consulting firm with deep employee benefits and HR advisory capabilities. Directly comparable as a benefits broker targeting mid-market employers, with a national footprint and broader consulting portfolio.
• Hub International: Hub International is a large global insurance brokerage offering property/casualty, employee benefits, and HR consulting. Comparable to Great Harbor as a benefits broker serving mid-market employers, though operating at far greater scale and across geographies.
• Brown & Brown: Brown & Brown is a large publicly-traded insurance brokerage offering employee benefits, property/casualty, and risk management. Comparable to Great Harbor as a benefits broker, but operating across multiple states with substantially greater resources and carrier access.
• OneDigital: OneDigital is a large U.S. benefits brokerage and HR consulting firm that provides group health insurance, benefits administration, and HR support to mid-sized and large employers. It is broadly comparable to Great Harbor Benefits as a full-service benefits broker, though at much greater scale and with national geographic reach.
• NFP (an Aon company): NFP is a major insurance brokerage and benefits consulting firm serving mid-market and large employers across the U.S. It competes with Great Harbor Benefits in the same group health insurance brokerage and HR consulting space, with significantly broader carrier and geographic footprint.

Direct peers

• The Hilb Group: The Hilb Group is a mid-sized insurance brokerage serving mid-market and small businesses across the U.S. with employee benefits, property/casualty, and HR consulting. Directly comparable to Great Harbor as a benefits-focused regional broker with similar client base and consultative sales approach.
• Cross Insurance: Cross Insurance is a New England-based insurance brokerage offering employee benefits, commercial, and personal insurance. Directly comparable to Great Harbor as a regional benefits broker serving small/mid-sized businesses in the Northeast with similar carrier relationships and consultative approach.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/great-harbor-benefits

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Great Harbor Benefits