Insurance you
actually understand.
Berthot Harris Solutions Group is an independent broker for health, life, Medicare, group benefits, and property & casualty. We shop carriers, then show you real options side by side — so this open enrollment, you choose with the trade-offs in front of you.
Clarity is the product
Compare coverage the way you'd compare anything else.
01 — What we broker
Five lines. One honest sentence each.
These are the lines we actually hold appointments in. If we don't write a line well, we say so and refer you out — that's part of the clarity.
Health insurance
ACA marketplace plans, plus private options where they make sense. We explain networks and premiums in plain terms.
Life insurance
Term for income replacement, whole life for permanence. We size coverage to your family, not a commission target.
Medicare
Original Medicare, Advantage, and Part D drug coverage — walked through the enrollment windows that apply to you.
Group & employer benefits
Small-group plans that help you retain people. We balance cost against the coverage your team will actually value.
Property & casualty
Home, auto, and renters. Bundling where it lowers the bill, and unbundling where it doesn't.
Not on this list?
Tell us what you're carrying. If it's outside our lane, we'll point you to a broker we trust.
02 — How comparing works
The broker's job, demystified.
Three steps. This is the whole thing — and it's the same path from "I'm shopping" to "I'm covered."
- 01
Tell us your situation
A short conversation about your household, what you already carry, and what you're worried about. No jargon, no quiz.
- 02
We shop the carriers
As an independent broker, we pull quotes across multiple insurers — not one company's menu. We narrow the field to options worth your time.
- 03
You see real options, side by side
Premiums, deductibles, and true out-of-pocket exposure laid out next to each other. You choose with the trade-offs in front of you.
Start the first step in about ten minutes.
Start comparing03 — Licensed where
States we're licensed in.
Licensure is verified state by state. Until our appointments are confirmed here, this section is a placeholder — published numbers and carrier appointments appear only after we've checked them.
License numbers pending verification — confirm before publish.
04 — Compliance
Disclosures we'll show plainly.
- Resident license no. — to be added once issued.
- Non-resident license nos. per state — added only when verified.
- Carrier appointments named only where active — no implied relationships.
- Required state disclosures and a privacy notice, posted before this site is published.
Everything on this page is placeholder content. Verify your state's licensing and disclosure rules before publishing.
05 — The broker advantage
Independent beats captive — and it beats buying direct.
A captive agent sells for one company; the menu is fixed. An independent broker — us — sells across carriers. The first choice we make for you is which company to even show you.
Choice
Options from multiple insurers, not one brand's shelf.
Advocacy at claim time
When a claim gets complicated, we're on the line with you — not the carrier alone.
Buying direct from a carrier removes both. You get their one plan and their one voice — at the exact moment you'd most want someone in your corner.
06 — Proof
Client words — once we have them.
Client testimonial — to be added.
We never publish a quote without permission, and we never fabricate savings claims.
Client testimonial — to be added.
We never publish a quote without permission, and we never fabricate savings claims.
Client testimonial — to be added.
We never publish a quote without permission, and we never fabricate savings claims.
These are placeholders, clearly labeled. Replace with real, consented testimonials and verified outcomes before launch.
07 — FAQ
The questions shoppers actually ask.
Answered honestly — including the ones that are awkward for most agents.
08 — Missed-call capture
Call after hours? We still answer.
Insurance shoppers call evenings and weekends. We recommend an automated missed-call text that sends a short reply with a booking link — so a missed call becomes a scheduled conversation, not a lost lead.
Setup placeholder — connect your phone system before launch.
09 — Compare options
Open enrollment
won't wait.
Tell us your situation. We shop the carriers. You get real options, side by side — with someone to call when a claim comes up. One form is the whole start.
Mon–Fri, 9a–6p CT. Evenings & weekends handled by our missed-call flow.