Who We Are

RSR Benefits

RSR Benefits is a locally-owned and family-operated agency, serving Central Kentucky, the surrounding areas and Western New York.  For over 12 years, we have specialized in helping small businesses, put programs in place, that help to navigate everything that is going on in the healthcare world.  We offer creative solutions, and can customize our programs, to fit the needs of you and your employees.


Health Insurance & Ancillary Carriers

RSR Benefits is committed to providing individual solutions to meet the specific benefit needs of your business.  Every situation is different, and we strive to put together comprehensive benefit packages that fit the needs of each business, as well as their employees.


Service is our #1 Priority

Service is our number one priority here at RSR Benefits.  Our goal is to become an arm of your HR department. We offer personal insurance, business insurance, employee benefits, dental insurance, life insurance, group health insurance, workers’ compensation insurance, and group dental/vision plans.

Full Enrollment Platform

Simplify management and enrollment of your business employee benefits with our Full Enrollment Platform.

Top Carriers

We offer access to the top carriers that we have personally vetted and have years of experience working with.

Personalized Enrollments

With effective and ongoing communication with our clients and budget research, we research the best and most affordable packages for your business and employees’ needs.

Easy Deductions

Quick and easy deduction reports for your payroll company, and easy management of deductions on our Full Enrollment Platform.

20+ Years Experience

Our team has a combined experience of over 20 years in the insurance, long-term planning and group benefits products. We understand the needs of small businesses and how to match the right package for each client.

Ongoing Account Service

We are here for our clients for ongoing reporting, account revisions and monthly or annual customer service needs.


Insurance Products

We work with small to medium sized businesses to provide affordable and employee-valued group payroll-deducted benefits that make small business feel larger, attracted skilled employees, increase employee retention and build a more favorable company culture for your team.  Insurance plans also keep your employees healthy and working.

Employee Benefits Insurance

Employee Benefits insurance covers a wide range of plans, including health, dental and life insurance, profit-sharing plans, workers’ compensation, and employee stock plans.

Group Health Insurance

Group Insurance health plans provide coverage to a group of members, usually comprised of company employees or members of an organization.

Long Term Care Insurance

Long-term care (LTC) insurance is coverage that provides nursing-home care, home-health care, and personal or adult daycare for individuals age 65 or older or with a chronic or disabling condition that needs constant supervision.

Life Insurance

The primary purpose of life insurance is to provide a financial benefit to dependants upon premature death of an insured person. The policy pays a specified amount called a “death benefit” to the named beneficiary, when the insured dies.

Vision Insurance

Vision insurance offers health and wellness plans to reduce costs for routine preventative eye care (eye exams, prescription eyewear and contact lenses), and some include elective vision correction surgery including LASIK and PRK.

Dental Insurance

Dental Insurance helps reduces costs of dental care for you and your family’s overall oral health including preventative, restorative orthodontic dental care including dental exams, x-rays, sealants, fluoride, extractions, root canals, crowns, bridges, dentures and more.

Disability Insurance

Disability insurance is a type of insurance product that provides income in the event that a policyholder is prevented from working and earning an income due to a disability.

Long Term Planning

Long-term care insurance offers an alternative to out-of-pocket and Medicaid payments, helping seniors pay for assisted living, skilled nursing or specialized care in a senior living community. A long-term care policy can guarantee considerable protection without depleting the assets for a surviving spouse and heir.


Don't take my word for it

Cherie F.

5 Star Google Review
“RSR has made navigating a complex web of benefits easy! Taking care of all the details so I can focus on my business! Highly recommend!”

Emelie C.

5 Star Google Review
“As a small business, benefits can be overwhelming. RSR made the process seamless and much easier than our previous experience. It has taken a huge load off of our plate. Highly recommend!”

David H.

5 Star Google Review
“Very responsive, very competitive and very service oriented. Said did not like 800 numbers, said call them. I like that!”

Chris E.

5 Star Google Review
“RSR Helped my small business save tens of thousands per year on our employee benefits. Couldn’t be happier.”


How to Get Started

Call our team or fill out our Get Started Form to being the process. We will schedule an in-person meeting or zoom meeting (if you feel more comfortable) to get to know each other and ensure our team is a good fit for you.

Schedule a Meeting

At our initial meeting, we will explore your company’s insurance wants and needs, taking in consideration the number and demographics of your employees, your budget, and the tax implications of each plan.

Go over Insurance Needs

Then we will shop the various insurance plans from over 100+ carriers we work with to research, compare and recommend the best value for your company needs.

Submit Quotes from Various Carriers

Then we will submit your quote by text, email or fax, and review the options we recommend with a full report of details of each choice and what pros/cons they offer.

Ongoing Support

With RSR Benefits, you never have to dial a 1-800 number, dealing with long waits with insurance customer service call centers.  You can call us anytime and we will provide support, answers to your questions, management assistance and handle any issues you need resolving.  We are your intermediary between you and the insurance company!


Let's Build a Quote

Our locations

Eastern Kentucky
Wester New York


(859) 983-3754




Mon – Fri: 8am to 5pm