Why C3?

We’ve uncovered the secrets tocontrolling your employee costs.

C3 Group is a dynamic team of seasoned professionals who partner with experts in the areas of Employee Health Benefits, Business Insurance, Human Resources, and Risk Management – enabling our clients to stop the drain of unnecessary employee costs.

The C3 Group LLC and Harding Brooks Insurance merged in 2021 to form a comprehensive, independent Insurance/Consulting agency. The merger enabled both companies the ability to offer their nearly 100 years of combined experience by increasing their scope of business insurance and consulting offerings. C3/HB can provide the entire spectrum Businesses Insurances (P&C & health), Risk-Loss Control, Human Resource Consulting, Operational Efficiency/Process improvement. Now under one roof, C3/HB can provide organizations of any size, cost effective management of human capital.

The C3 Difference

You know that in business, there are two primary areas of focus: income and expenses. At C3 Group, our expertise is in increasing your income by controlling your expenses. Whether you’re in healthcare, education, manufacturing, financial services or any other field, you could be paying your employees 50 to 100 percent more than you think.

An employee earning $40,000 a year could actually be costing anywhere from $60,000 to $80,000. For a company with 100 employees, that excess could be astronomical–even without workers compensation claims.

Take Control

C3 Group has identified three primary sectors of your organization in which excess costs can be successfully attached to help you control the cost of your employees. Our partners have decades of experience and expertise in each area, keeping current with every nuance to maximize the productivity of your business.

This chart identifies 18 areas where we can help your company dramatically cut employee expenses and create significant opportunities for added revenue.

We'll work with you to integrate our solutions into your processes

In the fields of construction, education, finance, healthcare, hospitality, manufacturing, non-profits, public entities, real estate, religious entities, retail/wholesale, technology, transportation and logistics–our solutions have made a big difference, allowing us to help companies in three major areas:

Employee Benefits

Tired of paying constant increases for your employee health benefits, and getting nothing more than the actual health benefit coverage? With C3 Group, you will receive the most competitive rates and an array of value-added services you are most likely not receiving through your current carrier or broker. We have the ability to provide our clients with the perfect program tailored to their unique needs.


Business Insurance

We will give you our honest and knowledgeable recommendation as to the coverage you need to keep your business safe. We will analyze your current policies and make suggestions to provide you richer coverage at a competitive price.


Risk Management

The effective management of risk within an organization is critical to protecting its human and financial assets and ability to control costs. C3 Group provides technical resources and objective guidance on issues that impact your ability to meet your business objectives. Our goal is to help you better understand and quantify the true cost of risk within your organization, which ultimately helps you lower insurance and related business costs by implementing effective controls.


Human Resources

Partnering with C3 Group allows you to re-focus internal resources on profit-driven activities, without sacrificing the level of service and professionalism required to effectively manage your human resources-related functions. Our partnering approach is simple and effective–and our goal is to help you control and reduce the cost of delivering human resources solutions.


Operational Efficiency

Operational Efficiency is a critical part of running a safe and efficient business. Our professional staff with 35 plus years of leadership experience can help evaluate the effectiveness of processes, venues, and time management. We will deliver independent, objective, and balanced recommendations based on observation, interviews, and research.


We guarantee to boost your bottom line.