Work with the team that goes the extra mile.

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

Managing Partner

What Our Clients Say

Academy Financial, Inc.

For over 20 years, the Blue Harbor Benefits team has professionally serviced our group benefits clients. Their expertise and excellent customer support allows us to focus on our relationships with our clients while they provide the backup services. This has made our firm more efficient and profitable!

Harry Horn


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

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.
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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 your business not only at plan selection or renewal time but ALL the time.
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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.

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