About Us
Since 1987 you may have known us as AIA, or American Insurance Administrators, or as one of our three core divisions: AIA Property & Casualty (P&C), Benefits Resource Group (BRG), or as Benefits Broker Solutions (BBS). You may have heard something about us becoming part of Alera Group in 2017. But we are all one company, and now we are aligning our name, our brand, our new look, and our new website to reflect that strong one-company story.
Work With Us
We are passionate about collaboration and growth. Enjoy working in a highly collaborative culture? Looking for an exciting environment that is constantly growing and improving? If you care about providing outstanding client service while serving local communities, then we may be looking for you.
Meet Our Team
Julie Cave
SVP and Regional Employee Benefits Practice Leader, Mid-Atlantic
As Regional Practice Leader, Julie provides oversight for Employee Benefits (EB) across all Mid-Atlantic regional offices. With 15+ years of industry experience, Julie brings unique expertise in HR technology, compliance, PPACA consulting, and small and large group benefits. She excels in fostering strong relationships with regional carriers and vendor partners, ensuring optimal outcomes for Alera Group clients.
As a strategic leader, Julie guides the direction and support of EB services, guaranteeing exceptional solutions for Alera Group Mid-Atlantic clients. Her extensive knowledge and understanding of industry intricacies enable her to navigate compliance requirements and tailor offerings to meet diverse needs. Julie’s ability to foster partnerships enhances the value delivered to clients, ensuring top-notch service in all aspects of Employee Benefits.
Chris Wert
Managing Partner
Chris is Managing Partner of the Alera Group, Harrisburg office and is a specialist in Risk Management and Property & Casualty insurance. In this role, he works closely with business owners and non-profit leaders to create and operate sustainable risk management and insurance programs. Working with clients of all sizes and classes, Chris is able to incorporate best practices from multiple industry segments for the benefit of his customers.
Chris joined the team as a Producer in 2011. Prior to coming to the agency he worked for Penn National Insurance as a Commercial Underwriter. This experience allows Chris to provide unique insight to his customers as to how insurance carriers process, analyze, evaluate, and compete for an organization’s insurance work. By anticipating carrier concerns and working with both carrier and customer to partner with one another for a common goal, he has come up with creative solutions for difficult and complex placements.
Chris earned his B.S. in Marketing from Penn State’s Smeal College of Business and holds the Chartered Property Casualty Underwriter (CPCU) designation as well as an Associate in Risk Management with a Focus on Enterprise Risk Management (ARM-E).
In his free time Chris enjoys spending time with his fiancé Laura, is an avid skier, a devoted Penn State Football and Wrestling Fan, as well as a (very) novice but enthusiastic fly-fisherman.
Kristen Allardyce
Client Advocate, Property & Casualty
Kristen Allardyce is a Client Advocate in Alera Group’s Property & Casualty Division. She joined the agency in June 2024 and brings over 10 years of industry experience, primarily in Workers’ Compensation. Prior to joining Alera Group, Kristen served as a Client Advocate with Encova Insurance, where she specialized in managing Workers’ Comp claims and deploying safety and loss control resources to mitigate risk.
At Alera Group, Kristen serves as a key liaison between clients and insurance carriers. She coordinates, prepares, and presents account reviews, providing data-driven insights on loss trends and opportunities for improvement across all lines of coverage. Kristen is passionate about delivering outstanding customer service and supporting clients with tailored risk management strategies.
She holds a Property & Casualty Insurance License and is a 2007 graduate of Bloomsburg University. Outside of work, Kristen enjoys spending quality time with her family.
Kristen typically works with clients in the $25,000+ premium range and supports producers across all sectors.
Taylor Baldwin
Marketing Manager, Small Business Unit
Taylor Baldwin is a Marketing Manager who collaborates with the Harrisburg team, and agency partners to present products and offerings to potential clients – specifically small businesses. Taylor knows how difficult owning a small business can be and works hard to share and create the best educational resources. Through webinars and educational series, he strives to make it easy for busy small business owners to learn what insurance and human resources challenges they need to troubleshoot – and directs them to the right Small Business Unit team member to solve those problems.
Taylor holds a Bachelor of the Arts degree in Music Business from Lebanon Valley College. Outside of work, he loves spending time with his family and friends and being outside with his dog Finn. His passion for music has always been with him, and he enjoys teaching local high school marching bands as well as performing with the Philadelphia Eagles drumline.
EXPERT EDUCATION
Events and Webinars
Employee Benefits
2025 Healthcare and Employee Benefits Benchmarking Report: How Does Your Benefits Program Stack Up?
In this session, our experts will dive into the results of our annual, market-leading benchmarking survey.
June 26, 2025 at 01:00 pm CT | Virtual
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Employee Benefits
Dynamic Data: Strategies for Success
Join us for this session, as our experts will share how to utilize your organization’s data to create advanced and innovative strategies for success.
July 17, 2025 at 01:00 pm CT | Virtual
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Employee Benefits
Preparing for Open Enrollment: How to Engage and Educate Your Employees on Their Total Benefits Package
In this session, our experts will share guidance on setting yourself up for success during Open Enrollment.
August 21, 2025 at 01:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
Employee Benefits
Reminder: PCORI Fees Due By July 31, 2025
Employers that sponsor self-insured group health plans, including health reimbursement arrangements (HRAs) should keep in mind the upcoming July 31, 2025 deadline for paying fees that fund the Patient-Centered Outcomes Research Institute (PCORI) via Form 720, which was recently updated and released by the IRS.
June 3, 2025
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Employee Benefits
Benefits Captives: Your Business and What Your Competitors Are Doing
In one form or another, Captive Insurance has existed as a risk management solution for many decades — originally for property and casualty coverage and primarily for large employers. But its viability as a solution for employee benefits and for midsized businesses has increased dramatically in recent years, fueled by volatility in the insurance market in general and by the skyrocketing cost of health insurance in particular.
May 29, 2025
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Agencies Push Pause Button on Enforcement of MHPAEA 2024 Final Rule
On May 15, 2025, the Department of Labor, Department of Health and Human Services, and the Treasury Department (collectively, the “Agencies”) released a statement regarding the Agencies’ recent request for abeyance of a lawsuit filed by the ERISA Industry Committee (“ERIC”) in the U.S. District Court for the District of Columbia that challenged certain aspects of Mental Health Parity and Addiction Equity Act (MHPAEA) Final Rule (“2024 Final Rule”) relating to nonquantitative treatment limitation comparative analyses (“NQTL analyses”).
May 16, 2025
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IRS Releases 2026 HSA Contribution Limits and HDHP Deductible and Out-of-Pocket Limits
In Rev. Proc. 2025-19, the IRS released the inflation adjusted amounts for 2026 relevant to Health Savings Accounts (HSAs) and high-deductible health plans (HDHPs). The table below summarizes those adjustments and other applicable limits.
May 5, 2025
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