Disability insurance companies in Pennsylvania play a crucial role in safeguarding the financial security of individuals facing unforeseen health challenges. These firms specialize in a variety of insurance products designed to replace lost income due to disabilities, offering both individual and group policies. In recent years, the industry has seen a shift as advancements in technology and better understanding of health risks influence policy offerings. The trend towards more custom solutions and increased emphasis on personalized service reflects the changing needs of the workforce, making it a vital sector for stability and security.


The Pennsylvania disability insurance market features a mix of independent agencies and corporate firms, ranging from small teams to larger establishments. Many of these companies, founded from the 1920s to the 2010s, are headquartered throughout the state in cities like Wyndmoor and Malvern. They specialize in premium insurance solutions tailored for healthcare professionals, businesses, and individuals. Expertise varies widely, ensuring that clients receive targeted support to address specific risks in their professions and lifestyles.


Discover insights on the top disability insurance companies in Pennsylvania.


Top 22 Disability Insurance Companies in Pennsylvania


1. American Brokerage Services

  • Website: absgo.com
  • Ownership type: Private
  • Headquarters: Wyndmoor, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1997
  • Headcount: 11-50
  • LinkedIn: americanbrokerageservices

American Brokerage Services, Inc. (ABS), founded in 1997 and based in Wyndmoor, Pennsylvania, operates as an insurance brokerage that provides a range of insurance products. These include life insurance, long-term care insurance, disability insurance, and annuities. ABS primarily serves licensed financial professionals and insurance agents, offering them access to various insurance solutions and resources to enhance their business operations. Over the years, ABS has placed approximately $4 billion in fixed annuity premiums and around $200 million in fixed life insurance premiums, alongside some long-term care and disability insurance premiums. The company collaborates with over 80 top-rated carriers, ensuring that they can offer products tailored to the unique needs of their clients. With a network of more than 7,000 licensed agents across all 50 states, ABS positions itself as a significant player in the insurance brokerage space, focusing on providing value-added support to financial professionals.


2. Treloar & Heisel

  • Website: treloaronline.com
  • Ownership type: Corporate
  • Headquarters: New Castle, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: April 2022
  • Founded year: 1959
  • Headcount: 51-200
  • LinkedIn: treloar-and-heisel-inc

Treloar & Heisel, founded in 1959 and based in New Castle, Pennsylvania, is an insurance agency and financial services provider that caters specifically to dental and medical professionals. The company offers a range of products, including disability income insurance, malpractice insurance, and various financial planning services. With a focus on helping clients protect their careers and manage their financial futures, Treloar & Heisel has developed a strong presence across the United States. Their expertise lies in understanding the unique challenges faced by professionals in the healthcare sector, allowing them to provide tailored solutions that address specific needs. Over the years, they have built a solid reputation for guiding clients through different stages of their careers, from training to retirement, ensuring that their insurance and financial strategies evolve accordingly. Treloar & Heisel operates under the umbrella of EPIC Insurance Brokers & Consultants, further enhancing their capabilities and reach within the industry.


3. PearsonRavitz

  • Website: pearsonravitz.com
  • Ownership type: Private
  • Headquarters: Ardmore, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2017
  • Headcount: 11-50
  • LinkedIn: pearsonravitz

PearsonRavitz is an insurance brokerage based in Ardmore, Pennsylvania, founded in 2017 by Dr. Stephanie Pearson and Scott Ravitz. The firm specializes in disability and life insurance tailored specifically for healthcare professionals, particularly physicians. Dr. Pearson's personal experience with a work-related injury that hindered her medical career inspired her to advocate for others in similar situations. The company aims to simplify the often confusing insurance landscape by providing personalized consultations and ongoing support. Their team, which includes professionals with medical backgrounds, is dedicated to ensuring clients understand their policies and receive the best coverage for their needs. PearsonRavitz operates across all 50 states, reflecting their commitment to serving healthcare professionals nationwide.


4. Swift Kennedy & Associates, Inc.


Swift Kennedy & Associates, Inc., based in DuBois, Pennsylvania, is a private insurance agency founded in 1921. The company focuses on providing a range of employee benefits and insurance products, including health, life, dental, and notably, disability insurance. They serve both businesses and individual clients, assisting them in understanding their insurance options and ensuring compliance with industry regulations. With a team of dedicated professionals, Swift Kennedy emphasizes innovative solutions to enhance employee engagement with benefits offerings. Their services extend across multiple states, reflecting their operational reach and commitment to client service. The firm has built a reputation for reliability and responsiveness, as evidenced by positive testimonials from various sectors, including healthcare, manufacturing, and professional services. This strong client feedback underscores their effectiveness in managing employee benefits and addressing the complexities of insurance needs.


5. Fringe Benefit ServicesPA


Fringe Benefit ServicesPA, based in Sharon, Pennsylvania, is a family-owned insurance agency that has been serving clients since 1970. Originally known as Wallace & Associates, the company has built a reputation for providing personalized insurance solutions. They specialize in a variety of insurance products, including health, life, and notably, disability insurance. The agency caters to both individual consumers and businesses, emphasizing a consultative approach to help clients navigate their insurance needs. With partnerships with over 60 well-known insurance carriers, Fringe Benefit ServicesPA offers a range of options tailored to the unique requirements of their clients. Their commitment to service and attention to detail has allowed them to maintain a loyal customer base in Pennsylvania and Northeastern Ohio.


6. AIMCOR Group

  • Website: aimcorgroup.com
  • Ownership type: Private
  • Headquarters: Malvern, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2011
  • Headcount: 201-500
  • LinkedIn: aimcor-group

AIMCOR Group, LLC, founded in 2011 and based in Malvern, Pennsylvania, operates as a financial services company with a focus on independent brokerage distribution. The firm specializes in providing financial professionals with advanced protection and income solutions, which include life insurance, disability insurance, long-term care, and annuities. AIMCOR emphasizes collaboration and innovative technology to empower its clients, enabling them to enhance their service offerings and achieve sustainable growth. The company has built strong relationships with top carriers, allowing them to offer a wide range of solutions that aim to create financial security for individuals and families. AIMCOR's commitment to transparency and integrity has established its reputation as a reliable partner in the financial services industry.


7. Gallen Insurance

  • Website: galleninsurance.com
  • Ownership type: Corporate
  • Headquarters: Shillington, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: August 2023
  • Founded year: 1957
  • Headcount: 11-50
  • LinkedIn: gallen-insurance

Gallen Insurance, established in 1957, is an independent insurance agency based in Shillington, Pennsylvania. With a team of approximately 22 employees, the agency serves both individual consumers and businesses throughout Pennsylvania. They provide a variety of insurance solutions, including personal insurance, business insurance, and employee benefits. Their employee benefits section includes group health, dental, vision, and disability insurance, indicating their involvement in the employee benefits market. Gallen Insurance has been recognized for its service, winning local awards and being acknowledged as one of the top businesses in Greater Reading. They pride themselves on their commitment to client service and their ability to offer tailored insurance solutions to meet the needs of their clients.


8. Flexible Benefits Plans, Inc. Powered by FNA

  • Website: flexiben.com
  • Ownership type: Private
  • Headquarters: Valley Forge, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1986
  • Headcount: 11-50
  • LinkedIn: flexible-benefits-plans-inc.

Flexible Benefits Plans, Inc. Powered by FNA, based in Valley Forge, Pennsylvania, has been operational since 1986. This private insurance brokerage specializes in group benefits and offers a range of insurance products, including health, dental, life, and disability insurance. The company primarily serves brokers and business associations, providing essential support in navigating the complexities of insurance regulations and compliance. Their services extend to ACA compliance assistance, COBRA administration, and HR support, showcasing their commitment to helping brokers enhance their business operations. With a dedicated service team and a focus on client relationships, Flexible Benefits Plans aims to be a reliable partner in the insurance landscape, particularly in Pennsylvania and New Jersey.


9. Underwriters Brokerage Service

  • Website: ubsnet.com
  • Ownership type: Private
  • Headquarters: Pittsburgh, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1970
  • Headcount: 11-50
  • LinkedIn: underwriters-brokerage-service

Underwriters Brokerage Service (UBS), based in Pittsburgh, Pennsylvania, is a private insurance brokerage founded in 1970. With a team of approximately 19 employees, UBS specializes in a variety of financial products, including life insurance, annuities, long-term care, and notably, disability insurance. The company serves both individual consumers and businesses, helping them manage risks and secure their financial futures through comprehensive insurance solutions. UBS provides resources and tools tailored for disability insurance, indicating its commitment to this area of the insurance market. The firm operates entirely within the United States, ensuring a focused approach to its clientele. While there is no reported funding, the company’s longevity and established presence in the industry reflect its ongoing relevance and capability in providing essential insurance services.


10. Michael A. Starr Insurance, Inc.


Michael A. Starr Insurance, Inc. is a private insurance agency based in Chambersburg, Pennsylvania, established in 1989. The agency provides a wide array of insurance products, including auto, home, business, life, and health insurance. With a commitment to customer service, Starr Insurance operates as an independent agency, allowing them to offer competitive coverage options from various reputable insurance carriers. They serve over 18,000 individuals and businesses across Pennsylvania and neighboring states, emphasizing personalized service and client satisfaction. The agency's offerings include individual and group disability insurance, but it is one of many products in their portfolio rather than a primary focus. Their approach is to act as advocates for their clients, ensuring they receive fair treatment and prompt service during claims processes.


11. Body-Borneman Insurance, Inc.

  • Website: body-borneman.com
  • Ownership type: Family Owned
  • Headquarters: Boyertown, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1962
  • Headcount: 11-50
  • LinkedIn: body-borneman-ins

Body-Borneman Insurance, Inc. is a family-owned independent insurance agency based in Boyertown, Pennsylvania, established in 1964. The agency provides a comprehensive suite of insurance solutions, including personal, business, life, and specialty insurance. With a strong emphasis on customer service, Body-Borneman Insurance has built a solid reputation in the insurance sector. They serve both individual consumers and businesses, helping clients protect their assets and manage risks effectively. The agency has a dedicated life and benefits department that has been operational since its inception, focusing on protecting clients' health, incomes, and savings from financial loss. They offer a portfolio that includes group and individual health, life, accident, and disability insurance products. Body-Borneman Insurance prides itself on its personalized approach, working closely with clients to navigate their unique insurance needs. The agency operates multiple offices in Pennsylvania and has a significant client base, reflecting its commitment to service and community engagement.


12. The Weimer Group

  • Website: theweimergroup.com
  • Ownership type: Private
  • Headquarters: Harleysville, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1968
  • Headcount: 11-50
  • LinkedIn: the-weimer-group

The Weimer Group, established in 1968, is an independent insurance agency based in Harleysville, Pennsylvania. With a team of approximately 34 employees, the agency specializes in a variety of insurance products, including personal, life, health, and business insurance. They serve individuals, families, and businesses primarily in Southeast Pennsylvania, emphasizing a personalized approach to insurance. The Weimer Group is committed to understanding the unique risks faced by their clients and offers tailored solutions to effectively manage those risks. Their offerings include long-term disability insurance, which is crucial for individuals looking to secure their financial future in the event of a disability. The agency prides itself on building strong relationships with clients and providing comprehensive insurance solutions that protect against unexpected events. They are licensed in multiple states, including Pennsylvania, New York, New Jersey, and Maryland, which allows them to cater to a broader client base.


13. Enders


Enders Insurance, founded in 1950 and based in Harrisburg, Pennsylvania, operates as a private insurance agency. With a workforce of approximately 54 employees, the company provides a wide array of insurance products tailored for both personal and business needs. Their offerings include auto, homeowners, workers compensation, and various business insurance solutions. Enders Insurance emphasizes customer service and aims to create personalized insurance solutions for their clients. They have multiple locations across Pennsylvania and North Carolina, which allows them to serve a broad client base. In addition to traditional insurance products, Enders also provides benefits such as disability insurance, health insurance, and long-term care insurance, catering to both individuals and businesses. Their commitment to community service and client relationships is evident in their approach, which positions clients as part of the Enders family.


14. Fischer Insurance Agency

  • Website: fischeragency.com
  • Ownership type: Private
  • Headquarters: Williamsport, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1966
  • Headcount: 1-10
  • LinkedIn: fischer-insurance-agency

Fischer Insurance Agency, based in Williamsport, Pennsylvania, has been serving clients since 1966. This privately owned agency specializes in a wide array of insurance products, including auto, home, business, life, and health insurance. With a dedicated team of licensed agents, Fischer Insurance Agency emphasizes personalized service and ongoing education to ensure clients receive the best possible coverage. They are particularly noted for their offerings in health insurance, which include individual and group disability insurance, reflecting their commitment to meeting the needs of both individuals and businesses. The agency is recognized as the largest locally owned independent insurance agency representing Erie Insurance in Lycoming County, which has earned them a solid reputation in the community. Their focus on building lasting relationships with clients and providing tailored solutions positions them as a relevant player in the disability insurance market.


15. Bell Insurance, Inc.

  • Website: bellinsuranceinc.com
  • Ownership type: Family Owned
  • Headquarters: Chambersburg, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1987
  • Headcount: 11-50
  • LinkedIn: bellinsuranceinc

Bell Insurance, Inc., founded in 1987 and based in Chambersburg, Pennsylvania, is a family-owned insurance agency with a workforce of approximately 29 employees. The company provides a wide array of insurance products, catering to both personal and business needs. Their offerings include auto, homeowners, life, long-term care, and notably, disability insurance. Bell Insurance aims to assist clients in managing risks and protecting their assets through customized insurance solutions. They also serve specific professional groups, such as dentists, by providing tailored insurance programs. Their commitment to customer service is reflected in numerous positive testimonials from clients, highlighting their responsiveness and dedication to meeting individual insurance needs.


16. Harding-Yost Insurance


Harding-Yost Insurance, established in 1983, is a private insurance agency based in Denver, Pennsylvania. With a team of approximately 28 employees, the agency specializes in a variety of insurance solutions, including business insurance, employee benefits, and personal insurance. They serve both businesses and individual consumers, helping them manage risks and protect their assets through customized insurance products. Harding-Yost Insurance has over 40 years of experience in the industry and operates primarily in Pennsylvania and surrounding states. Their offerings include group health, dental, vision, and notably, disability insurance, which is crucial for employers looking to provide comprehensive employee benefits. The agency prides itself on its independent status, allowing it to partner with over 100 insurance companies to deliver tailored solutions to its clients. This independence enhances their ability to negotiate and provide competitive options for their customers.


17. Gannon Associates Insurance

  • Website: gannonassociates.com
  • Ownership type: Private
  • Headquarters: Towanda, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1973
  • Headcount: 51-200
  • LinkedIn: gannon-associates_2

Gannon Associates Insurance, founded in 1973 and based in Towanda, Pennsylvania, is a private insurance agency that provides a wide array of personal and business insurance products. Their offerings include auto, home, life, and commercial insurance, with a notable inclusion of disability insurance among their personal insurance options. The agency prides itself on risk management and exceptional customer service, ensuring that clients receive tailored coverage to protect against various risks. With a team of dedicated professionals, Gannon Associates aims to understand the unique needs of their clients, which enhances their ability to provide effective insurance solutions. Their commitment to community involvement and support for local organizations further underscores their role as a responsible and engaged member of the insurance industry.


18. Miller's Insurance Agency, Inc.

  • Website: miainc.com
  • Ownership type: Private
  • Headquarters: Downingtown, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1975
  • Headcount: 11-50
  • LinkedIn: miller%27s-insurance-agency-inc-

Miller's Insurance Agency, Inc., based in Downingtown, Pennsylvania, has been serving clients since 1975. This independent agency specializes in a wide array of insurance products, including personal, business, and employee benefits insurance. They cater to both individual consumers and businesses, helping clients navigate the complexities of insurance to find suitable coverage that protects their assets and manages risks effectively. The agency prides itself on its customer service and community involvement, striving to be a trusted advisor for its clients. Their offerings include group health, dental, vision, and disability insurance, showcasing their commitment to employee benefits. With a team of around 54 employees, Miller's Insurance Agency emphasizes a client-first approach, ensuring that every question or issue is addressed promptly and satisfactorily.


19. Kressler Wolff & Miller

  • Website: kwminc.com
  • Ownership type: Private
  • Headquarters: Easton, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1923
  • Headcount: 11-50
  • LinkedIn: kressler-wolff-miller

Kressler Wolff & Miller is an independent insurance agency based in Easton, Pennsylvania, established in 1923. With a team of 23 employees, the agency specializes in a wide array of insurance solutions, including personal, business, life, and health insurance. They serve both individual consumers and businesses, tailoring coverage options to protect against unexpected risks. The agency prides itself on building strong relationships with clients, acting as advocates for their insurance needs. Their offerings include long-term disability insurance, which is crucial for individuals facing serious illnesses or accidents that may hinder their ability to work. Kressler Wolff & Miller operates in the Lehigh Valley, Pocono Mountains, and Northwest New Jersey, providing a concierge client experience that emphasizes choice and personalized service from top-rated national and regional insurance carriers. Their commitment to client advocacy and comprehensive insurance solutions positions them as a relevant player in the insurance industry.


20. the djb group

  • Website: djbgroup.com
  • Ownership type: Corporate
  • Headquarters: Meadville, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: November 2018
  • Founded year: 1969
  • Headcount: 11-50
  • LinkedIn: the-djb-group

The djb group, known as Highstreet Insurance Partners, is an insurance and financial services provider based in Meadville, Pennsylvania. Founded in 1969, the company has built a reputation for offering a wide array of products, including business and personal insurance, employee benefits, and financial planning. Highstreet serves a variety of clients, from businesses to individuals, helping them manage risks and protect their assets through tailored insurance solutions. Their employee benefits segment includes health and wellness plans, which often encompass disability insurance, indicating their involvement in this critical area of coverage. With a workforce of 11-50 employees, Highstreet aims to provide comprehensive support to its clients across multiple industries, ensuring that they have the necessary protection in place.


21. Baron Insurance Group

  • Website: baroninsurancegroup.com
  • Ownership type: Private
  • Headquarters: Manheim, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 78%, Ghana 22%
  • Founded year: 1965
  • Headcount: 11-50
  • LinkedIn: baron-insurance-group

Baron Insurance Group, based in Manheim, Pennsylvania, is a private insurance agency founded in 1965. With a team of approximately 23 employees, the company specializes in a variety of insurance products, including personal, business, and life insurance. They cater to both individual consumers and businesses, aiming to provide tailored solutions that help manage risks and secure financial futures. Baron Insurance Group emphasizes the importance of client education and relationship-building, striving to empower clients to understand their insurance needs. Their offerings include individual life insurance, long-term care insurance, and key man life insurance, which are relevant to the disability insurance sector. The agency is also recognized as a Dave Ramsey Endorsed Local Provider (ELP), which highlights their commitment to financial education and responsible insurance practices.


22. Element Risk Management

  • Website: elementrisk.com
  • Ownership type: Private
  • Headquarters: West Chester, Pennsylvania, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2009
  • Headcount: 51-200
  • LinkedIn: strickler-insurance

Element Risk Management, based in West Chester, Pennsylvania, is a private insurance agency founded in 2009. With a workforce of approximately 67 employees, the company operates across multiple states, including Pennsylvania, Virginia, and Maryland. They provide a wide array of insurance products, catering to personal, business, and employee benefits needs. Their offerings include home, auto, and high net worth insurance, alongside commercial and contractor insurance. Notably, they also provide group health, dental, vision, and disability insurance as part of their employee benefits package. Element Risk Management emphasizes customer service and risk management expertise, aiming to help clients navigate their insurance needs effectively. They have established a reputation for being responsive and client-focused, as evidenced by positive client feedback. The company has not reported any funding, indicating a self-sustained operational model.



Disability Insurance Insights: Key Companies in Pennsylvania


CompanyHeadquarterSizeFoundedOwnership
American Brokerage ServicesWyndmoor, Pennsylvania, United States (USA)11-501997Private
Treloar & HeiselNew Castle, Pennsylvania, United States (USA)51-2001959Corporate
PearsonRavitzArdmore, Pennsylvania, United States (USA)11-502017Private
Swift Kennedy & Associates, Inc.Dubois, Pennsylvania, United States (USA)11-501921Private
Fringe Benefit ServicesPASharon, Pennsylvania, United States (USA)11-501970Family Owned
AIMCOR GroupMalvern, Pennsylvania, United States (USA)201-5002011Private
Gallen InsuranceShillington, Pennsylvania, United States (USA)11-501957Corporate
Flexible Benefits Plans, Inc. Powered by FNAValley Forge, Pennsylvania, United States (USA)11-501986Private
Underwriters Brokerage ServicePittsburgh, Pennsylvania, United States (USA)11-501970Private
Michael A. Starr Insurance, Inc.Chambersburg, Pennsylvania, United States (USA)11-501989Private
Body-Borneman Insurance, Inc.Boyertown, Pennsylvania, United States (USA)11-501962Family Owned
The Weimer GroupHarleysville, Pennsylvania, United States (USA)11-501968Private
EndersHarrisburg, Pennsylvania, United States (USA)51-2001950Private
Fischer Insurance AgencyWilliamsport, Pennsylvania, United States (USA)1-101966Private
Bell Insurance, Inc.Chambersburg, Pennsylvania, United States (USA)11-501987Family Owned
Harding-Yost InsuranceDenver, Pennsylvania, United States (USA)11-501983Private
Gannon Associates InsuranceTowanda, Pennsylvania, United States (USA)51-2001973Private
Miller's Insurance Agency, Inc.Downingtown, Pennsylvania, United States (USA)11-501975Private
Kressler Wolff & MillerEaston, Pennsylvania, United States (USA)11-501923Private
the djb groupMeadville, Pennsylvania, United States (USA)11-501969Corporate
Baron Insurance GroupManheim, Pennsylvania, United States (USA)11-501965Private
Element Risk ManagementWest Chester, Pennsylvania, United States (USA)51-2002009Private


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