CVRD Insurance Services is a full-service employee benefits brokerage, one broker for the entire life of your benefits plan. We handle placement, pharmacy, compliance, and year-round member support under one roof, so nothing falls through the cracks between renewals.

Most brokers hand you a quote and disappear until renewal. We stay in your plan all year as a broker, a platform, and an advisory team in one, built to lower costs, increase transparency, and make sure the benefits you pay for actually get used.

What we handle:
• Plan strategy & placement — fully insured, level-funded, and self-funded
• Pharmacy & Rx — pass-through PBM pricing with rebates returned to your plan
• Compliance & filings — ACA reporting, ERISA documents, Form 5500, audit-ready
• Tax optimization that puts payroll-tax dollars back in the business
• Employee experience tools your team will actually notice and use
• Benefits administration, benchmarking, and real-time plan data

Beyond a full suite of benefits, we also offer CVRD's Healthcare Operating System, a smarter way to fund healthcare where you pay only for actual claims and stop-loss caps your worst case, so the carrier's margin stays in your business instead of someone else's pocket.

Our FICA Savings Tools give every enrolled employee and their family immediate access to virtual primary and urgent care, mental health support, chronic care management, prescription savings, universal life coverage, and more, at $0 copay and no net cost increase to the employer.

Behind it all is a team of lawyers, CFOs, and benefits architects who've built, scaled, and exited companies and built CVRD because they were tired of watching employers get less than they deserved.

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