Complete benefit programs for variable-hour and full-time workforces, delivered exclusively through brokers and consultants. We design, underwrite, and administer — you keep the client relationship.
BETTER BENEFITS. STRONGER WORKFORCE.
We give brokers a single partner to handle the full benefit program lifecycle — plan design, underwriting, market placement, implementation, enrollment, and year-round governance. You own the client relationship. We handle the program infrastructure.
Stop bolting together separate solutions for different employee types. We manage the complete program — full-time through seasonal — from a single platform.
We specialize in true self-funded and alternative risk strategies, including group captives, that give brokers real cost-control tools — not just a rate sheet.
We never sell direct. You stay the advisor of record; we're the back office that keeps the program running and compliance exposure low.
Northgate Benefit Group is a managing general agency, wholesaler, and benefits program manager — built on the belief that risk-managed benefits can protect the employer's bottom line without shortchanging the employee.
We specialize in plan designs that reduce financial exposure while improving the experience for employees and HR alike — especially for the variable-hour, part-time, seasonal, and 1099 workforces most carriers won't touch.
Most program managers show up at renewal. We're there year-round — pairing a structured governance framework with practical, personal service, so the programs our broker partners place aren't just sold, they're actively managed.
Our StoryThese are the industries where benefits are hardest to get right — high turnover, variable hours, thin margins, and thousands of employees who've never been offered coverage that fits.
Clear plan oversight, disciplined renewals, and vendor accountability — so you stay in control all year.
Benefit strategies that reduce volatility, cost surprises, and last-minute renewal scrambles.
Structured processes that simplify administration, reduce HR burden, and lower regulatory risk.
From multi-location hourly workforces to lean HR teams — programs that fit without added exposure.
A partner who stays engaged year-round. You keep the client relationship — always.
Licensed and serving employers across every industry and workforce classification.
Total workforce coverage — not pieced-together point solutions. Each solution stands alone or combines into a single structured program.
Minimum Essential Coverage, Minimum Value, and limited medical plans that satisfy the §4980H employer mandate with real, usable coverage — balancing compliance, employee access, and cost control.
Accident, critical illness, and hospital indemnity strengthen the package without raising core medical spend — plus ancillary products like dental, vision, and term life to round out a competitive offering, structured for participation and simple administration.
For full-time populations, we structure true self-funded plans with embedded GAP coverage and 340B Rx — claims transparency, cost control, and protection against catastrophic volatility, with professional third-party administration.
Fills the space between what a major medical plan covers and what an employee actually owes — deductibles, coinsurance, copays. The strongest renewal-conversation tool in the supplemental market: raise the base deductible, cut premium, hold employees harmless.
Plans are configured before enrollment opens. Employees are guided through their elections by Lumi — an AI benefits advisor built into the flow — and confirmed elections move downstream to payroll and carriers without re-keying.
Every employee gets a benefits expert — one that knows every plan on screen, how it works, and the ACA rules behind it.
Sign up once and unlock the full broker resource library: product flyers, rate cards, plan comparisons, enrollment guides, and our newsletter — ready to put in front of clients.
We never sell direct. Everything runs through licensed broker and consultant partners.
Workforce mix, current program, renewal timing — we'll come back with next steps and a clear picture of what a structured, risk-managed program could look like.
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