Florida's specialized insurance consultants serving individuals, groups, and businesses.

100+ years of experience delivering comprehensive health and ancillary coverage to the Southeast.

Florida's specialized insurance consultants serving individuals, groups, and businesse

85+ years of experience delivering comprehensive health and ancillary coverage to the Southeast.

The benefits you need, delivered with a personal touch

Your personal account manager will help you implement and exercise your plan so it’s simple, cost-effective, and reliable

Group Benefits

Ensure your employees and business are taken care of with plans that include comprehensive benefits, education programs, and a holistic, data-driven approach that makes your bottom line healthier

Individual Benefits

Temporary coverage, long-term care, dental, HSAs, and much more — whatever you need, we have partnerships and experience to help you take advantage of the plan that meets all of your requirements

Corporate Benefits

Protect the future of your business with benefits, funding options, and shareholder transfers that maintain operations and support key employees and their families

Rest easy knowing you'll always get the benefits you need when you need them

Whether it’s individual medical coverage, holistic health plans that improve your employees’ livelihoods, or company plans in the event of a death or disability, we have the solutions to protect all your assets in the most cost-effective way. Our plans are backed by renowned customer service including claims assistance, compliance support, and much more. You focus on your goals while we make sure you and your employees are cared for and your business is always prepared.

A health benefits agency you can rely on

Torgersen Consulting was founded in 2001 by insurance experts passionate about making it easy for clients to obtain, understand, and utilize the coverage that fits their needs, goals, and budget. Whether you need individual medical coverage, comprehensive insurance plans for your business with over 5,000 employees, or corporate plans to maintain your business in the event of a death or disability, you can trust Torgersen Consulting to simplify the complex world of insurance for you. You will also enjoy our comprehensive HR tools, services, and payroll solutions. Our combined experience of almost one century is at your service, so you can rest easy knowing you, your employees, and your business are in good hands.

As an authorized agent of the leading insurance carriers, we can offer extensive coverage and benefits within your budget

Much more than just an insurance policy:
Comprehensive services you can count on

“We’ve had our benefits through Torgersen Causey/Combined Insurance Services for the better part of two decades. The emphasis they place on educating our team members on their plans and wellness has proven to be very helpful to our entire organization. Their team is always ready to assist and they work hard to proactively identify issues and possibilities for our group. Torgersen Causey also works hard to provide tools that keep us compliant with regulations and legislation such as the Affordable Care Act. They come highly recommended from the team at Arc Gateway.”

“Torgersen Causey has always given me great customer service in all areas. It’s great to be able to call a firm and get the answers you need! I made a huge mistake a few years back and moved to another agency. This was the worst mistake I’ve made in business in a long time. The company I decided to do business with could not deliver the level of customer service and attention to detail that Torgersen Causey delivered. I highly recommend Torgersen Causey!”

“My wife and I have worked with Torgersen Causey for our personal insurance and have always received exceptional service. They provided a thorough explanation of our options, helped us find plans that best fit our needs and made the enrollment a smooth process. Their follow-up and attention to detail were very much appreciated.”

“Torgersen Cauesy has been our insurance firm since 2005. They have assisted our organization in designing, administering and maintaining a competitive benefit package during one of the most tumultuous insurance periods that I have experienced. Working with them is not only pleasure, but it is a relief as I do not have to worry about our benefit package and all the associated regulations that go along with it.”

“Anna and Todd and their team provide world class service to our multi franchise dealerships. They have always scoured the market for the best possible rates for our employees. They are always available to talk to our employees about their specific situations and be a liaison between the employee and the carrier when questions arise. I could not possibly manage over 600 employees in 3 different states without Torgerson Causey. Their team makes navigating the ever changing world of employee benefits easy to do.”

“When we started the brewery 10 years ago, we wanted to offer health insurance options to our employees and needed to find the best assistance possible so that we could focus on building our business. Torgersen Causey agency has provided us with exceptional service all along the way, providing us with options and always available to answer questions. Their response time is superb and all employees exhibit top notch customer service skills.”

"Partnering with Torgersen Causey has been a game changer for us in delivering the best health care solutions to our people. Their people are friendly, helpful, and always quick to respond. When calling their office, one of their team members will pick up after a ring or two, without having to go through any sort of automated system, which is a great benefit to our need for easy access and value of our time.

When we switched over to Torgersen Causey, they made the transition transparent, easy to understand for everyone (not just the administrators) and informed our whole team of the nuances of each health plan. In their presentations, Reid and his team have demystified an otherwise opaque health system and have provided an extra level of attention for our people when special circumstances arose.

Torgersen Causey is accessible, responsive and caring. I could not imagine a better healthcare partner for the Team at ARCO Marine."