Our Companies

Small Business Service Bureau, Inc.

The Small Business Service Bureau, Inc. (SBSB) was founded in 1967, by entrepreneur Francis R. Carroll. Mr. Carroll saw that other business organizations were not responding to the needs of very small businesses—not as legislative advocates nor for providing access to low cost benefits and services, including the pooling of small businesses for group health insurance benefits.

SBSB began as a small business organization in Worcester, Massachusetts. Today SBSB has grown into a national membership organization with more than 50,000 members: small business owners, entrepreneurs, and individuals who own and operate every kind of business and trade.

In 2007, SBSB entered into a collaborative partnership with the Commonwealth Health Insurance Connector Authority as a sub-connector/third party administrator for the Commonwealth of Massachusetts. Through this partnership, SBSB offers health insurance to the citizens of Massachusetts.

Visit www.sbsb.com for more information.

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Small Business Insurance Agency, Inc.

Small Business Insurance Agency, Inc. (SBIA) established in 1979, is a national general insurance and brokerage agency licensed to market insurance in 50 states.

SBIA offers a diverse portfolio of insurance products and services for both businesses and individuals on a national level. SBIA's experience spans three decades of providing thousands of business owners and individuals with risk management solutions and insurance expertise customized to meet special needs by professionally licensed insurance agents and brokers.

SBIA offers wholesale insurance products, customer acquisition and lead generation services. SBIA affiliates Small Business Service Bureau, Inc. and Pivot.com provide association health, life, and disability insurance coverage through Third Party Administrators (TPA), as well as online enrollment and billing services to small businesses and individuals.

As national, full service insurance agency, SBIA has long established relationships with the nation’s leading insurers and health plans. SBIA’s areas of expertise include health, life, long-term care, disability, dental, property & casualty insurance, retirement, 401(K) & Section 125 plans, C.O.B.R.A. administration, and human resource and payroll services.

SBIA is proud of the rich tradition and commitment to providing thoughtful and effective solutions to our client partners for decades to come.

Visit www.sbiasales.com for more information.

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Pivot.com

Pivot.com is an online insurance superstore, offering coverage from a choice of quality top-rated insurance carriers (AM Best A+ or better). Consumers are provided a convenient online shopping experience, allowing them to compare insurance quotes online from a number of different carriers in just minutes. In cooperation with our insurance partners, our quotes allow consumers to select coverage amounts and terms from these premier carriers. Quotes are provided instantly online.

Experienced insurance representatives are available by telephone to provide assistance and answer any questions about the insurance quotes throughout the application process. Once the insurance coverage is chosen online, a friendly and knowledgeable representative will call and conduct a brief interview to make sure that the insurance policy chosen fits the needs, health condition, and lifestyle. Once an insurance policy is issued our professional staff provides ongoing service and support.

Carroll Enterprises, Inc. developed pivot.com through its subsidiary the Small Business Insurance Agency, Inc. (SBIA), a 30-year-old traditional full-service insurance agency. Since 1979, SBIA has helped consumers and small business owners find insurance coverage tailored to their specific situation and financial needs. Pivot.com allows consumers to conveniently and privately shop online and compare premiums from different carriers, so there is never any sales pressure.

Visit www.pivot.com for more information.

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SterlingBridge – The Art of Underwriting

SterlingBridge, d/b/a name used by the Small Business Insurance Agency, Inc. (SBIA), focuses on the art of underwriting for brokers who serve the high net worth market. The SterlingBridge difference is its advanced underwriting and case design expertise based on clinical and insurance medical underwriting, extensive product knowledge and in-depth partner relationships. SterlingBridge presents brokers with a “white glove” approach from start to finish.

SterlingBridge allows brokers to cater to high net worth clients and provides quicker turnaround with better results. Our specialized underwriting process consists of submitting the entire case the right way the first time. This presents the client in the best light. Because of the full range of case packaging knowledge and great degree of up-front research, SterlingBridge has a very high informal to formal case ratio. We also have skilled negotiators to ensure that brokers obtain premier underwriting offers for their high net worth clients.

Carroll Enterprises, Inc. and SBIA developed SterlingBridge to continue its 30-year heritage of success joint-selling insurance with brokers and leading the market in being the first to provide teleunderwriting and e-signature offerings. SterlingBridge provides a full range of broker services, including comprehensive underwriting, unique informal and formal new business submissions processes, carrier and product knowledge, and advanced case design that allows for proper planning and proactive follow-up in a concierge-like manner.

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Group Health & Benefit Administrators, Inc.

Group Health & Benefit Administrators, Inc. (GHBA), an affiliate of Carroll Enterprises, Inc. was founded in 1989 and is a full service Third Party Administration (TPA) firm offering a diverse portfolio of qualified plan services for both businesses and individuals.

GHBA's area of expertise focuses on offering plan design, administrative and compliance services for retirement plans including 401(k) plans, Section 125 plans, and Health Reimbursement Arrangements (HRAs) for employers by delivering exceptional customer service, utilizing an enhanced technology platform and distributing our services through multiple channels.

Visit www.ghba.com for more information.

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Direct Response Marketing, Inc.

Direct Response Marketing, Inc. (DRM), an established affiliate of Carroll Enterprises, Inc., is a pioneer in the telesales insurance industry.

DRM's concentration is on building successful client relationships focused on the specific needs of the client, and supported by superior customer service.

Capabilities include Outbound Teleservices, Inbound Teleservices, Web-based Call Services, Licensed Insurance Agents and Staffs, Licensed Broker Agency (Corporate), Script Writing, Sales Training for Inbound and Outbound TSRs/CRSs, Customer Service Training, Reporting and Analysis, Teleservices Operational Review and Analysis, Sales Effectiveness Monitoring, and System Design and Management.

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