Business Details
17 Years
experience
Your Trusted Insurance Partner in Shelton, CT
At Stronghold Insurance & Financial, we operate as a full-service agency dedicated to addressing both personal and business planning needs. Our approach centers on identifying optimal programs for clients through meticulous data gathering, comprehensive market research, and annual plan reviews to ensure alignment with evolving needs. Unlike traditional brokers, we prioritize client interests over insurance companies, leveraging a multi-carrier strategy to deliver tailored solutions. Our expertise spans employee benefits, risk management, and executive planning, with specialized programs for restaurants and small businesses.We emphasize transparency, compliance, and cost containment while maintaining partnerships with top-tier carriers like Zurich and Aetna. Our team collaborates with external advisors to align personal and business goals, ensuring long-term strategic success for business owners. With over 15 years of experience, we combine industry knowledge with personalized service to build lasting client relationships.
Services
Employee Benefits
Business Insurance
Personal Insurance
Executive Benefits
Restaurant Program
Details
- Year established: 2009
Highlights and features
- We offer a multi-carrier approach to find the best insurance products for your specific needs.
- Our team conducts annual plan reviews to ensure ongoing alignment with client goals.
- We specialize in risk management and cost containment strategies for businesses.
- We provide tailored insurance programs for unique industries like restaurants.
- Our brokers negotiate directly with carriers to reduce premiums at renewal.
Associations and certifications
- AM Best
Services
Employee Benefits
We design comprehensive employee benefit plans including medical, dental, vision, disability, and life insurance. Our brokers analyze year-to-date data, negotiate renewals, and ensure compliance with legislative mandates. Clients receive personalized support for enrollments, claims processing, and cost containment strategies.
Business Insurance
Our risk management solutions cover general liability, workers' compensation, property, and specialized lines like errors & omissions. We conduct loss control analyses and provide surplus lines coverage. Businesses gain access to Fortune 500-level pricing through PEO partnerships and multi-carrier comparisons.
Restaurant Program
Zurich-designed policies rate restaurants by public square footage rather than sales. Coverage includes food spoilage, liquor liability, and contamination shutdowns. Optional protections like sewer backup and employment practices liability ensure comprehensive risk management for establishments from pizzerias to gourmet restaurants.
CT Minimum Premium Plan
Available for Connecticut businesses with 5-99 employees, this Aetna-network plan offers 10-40% lower premiums through medical underwriting. Companies with strong claims histories may receive premium rebates. The ERISA-compliant program includes return-of-premium incentives and Fortune 500-style benefits.
Executive Benefits
We create custom executive benefit packages aligned with business continuity goals. Services include succession planning, exit strategy development, and integration with personal financial plans. Our team collaborates with CPAs and attorneys to ensure strategic alignment between business and individual objectives.
Questions
What types of insurance does Stronghold offer?
We provide business insurance (general liability, workers' comp), employee benefits, executive planning, restaurant-specific coverage, and personal insurance policies.
Do you serve businesses outside Connecticut?
While based in Connecticut, we offer national business insurance programs and multi-state employee benefit solutions through our carrier partnerships.
What is a PEO program?
A Professional Employer Organization (PEO) gives small businesses access to Fortune 500-level benefits and HR services by pooling employees under a larger umbrella organization.
How do you help reduce insurance costs?
We negotiate carrier renewals, implement risk management strategies, and offer alternative programs like our CT Minimum Premium Plan with return-of-premium incentives.
Can you help with restaurant insurance needs?
Yes, we offer specialized Zurich-designed policies rated by square footage with coverage for food spoilage, liquor liability, and business interruption specific to restaurants.
