At Blue Harbor Benefits we specialize in reviewing, designing, and implementing employee benefit plans to meet your specific needs. While we are one of the largest independent brokerage offices in the mid-Atlantic and service clients nationwide, our goal is to treat every client like our most important client.

Joseph Morgan, LUTCF, CRPC

Founder & CEO

What Our Clients Say

Baltimore Washington Eye Center

Working with Joe Morgan and Blue Harbor Benefits has saved us not only money but also so much time. I am never hesitant about asking them for assistance with insurance issues or questions—they help us with every aspect of our plan.

Kim Crogan

HR and Accounting Manager

ProPsych Billing Solutions

Thanks for all [of] your help! I’m not sure what I would do without [all of] you when it comes to this insurance stuff!

susan zepp


For the Record, Inc.

We’ve worked with Ritchie Sebeniecher and team for many years. They are knowledgeable, capable, and responsive to all our inquiries. As a small business, we especially look to their guidance for annual renewal options and have always been pleased with their candor and advice.

Sara Vance

Certified Manager of Reporting Services

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Interested in Working With Us?

Our firm was founded on the belief that employee benefits should not be categorized as an expense alone. Benefits can—and should—be a point of differentiation that sets your firm apart. Get to know how Blue Harbor Benefits can change the way you apply employee benefits for the better.

Benefits For:

Already a Client?

You know that while anyone can sell you insurance, not everyone can provide responsive and knowledgeable customer service when questions or issues arise. That’s the Blue Harbor Benefits difference: we’re here to support you and your business all year round, not just when it’s time to select and/or renew your plan.

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Our Team

Building personal, long-lasting relationships with our clients is at the heart of what we do. We care about your business—and you.

Ready to get started or can’t find what you’re looking for?