The Right Insurance. Period.
We help businesses, families and individuals find the best insurance for their needs We make the complex simple, and provide you with reliable customer service and informed, insightful product selection.
We offer health insurance (fully or self-insured), dental, vision, life, disability and voluntary benefits, plus annuities and long term care for families and individuals.
Our Approach
Listen First.
We believe in the power of listening to what people need for themselves or their companies in order to match them with the best insurance possible.
We work closely with you as we research options, present possible policies, and implement all the details and communication required for a successful outcome.
We strive to always exceed your expectations.
Follow Up is Baked In
Insurance changes rapidly and constantly. Last year alone we saw the largest increase in costs in many years. We keep track of trends and the latest changes for you, and keep you informed.
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Thousands of Happy Clients
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35+ Years of Experience
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Making the Complex Simple
“We absolutely love Charlotte and her team! They are hardworking and always there when we need them. They truly care about their clients and what is best for them.”
Alece Coulman
Owner, Happy Valley Veterinary Hospital
What Our Clients Say
“As a solopreneur, I don’t enjoy figuring out insurance. Charlotte makes it very easy! She addresses all my needs when it comes to finding the right health insurance. It feels good to have someone I can rely on and not worry about this every year.”
Sheetal Contractor - Pennie.com Customer
“Charlotte has been helping us with our health insurance needs for decades. Not only is she personable, but she has always taken great care of us, our employees, and our business. Thank you, Charlotte.”
Jason & Michelle Haring - Cupboard Maker Books
“If you’re looking for an insurance broker who truly cares, look no further.
Thank you, Charlotte, for being so amazing—I wouldn’t trust anyone else with my insurance needs!”
Heather Carlino-Reid
“Charlotte Kluge & Associates is the best we've ever worked with! Charlotte and her team go above and beyond, always providing prompt, personal responses—never a machine. I've recommended her to many friends, family, and clients. Whether you're a college student or transitioning to Medicare, she’ll find the right fit. Call today—you won’t be disappointed!”
Tracy Allen
"For more than a decade we relied on Charlotte and her team for guidance and implementation of our insurance. We always got excellent service that kept our people happy and healthy. We have always been grateful to have her as a trusted advisor."
Ric Jones
Co Founder, MoJo Active
“I was referred to Charlotte by a friend and I’m beyond happy I found her. As you know, trying to find a health plan is so overwhelming and confusing. Charlotte has helped me find the best insurance to suit my needs through Pennie. I have known Charlotte for 4 years now and every time I need help or have a question she is very quick to respond and to get me an answer to me as soon as she can. I highly recommend Charlotte!!”
Joanne Patterson - Pennie.com Customer
What Businesses are Saying
“Charlotte has always been a pleasure to work with. Very friendly and outgoing. Her communication has been nothing short of extraordinary and has always taken care of our company's needs as they arise and in a timely manner. She takes the time to find the best fit for our insurance needs for our employees. In a world where customer service is lacking, Charlotte stands out from the crowd.”
Jason L. Wetzel
Owner, Jones Plumbing
“When we opened our new veterinary clinic, Charlotte took extraordinary care of us and found us the perfect health insurance plan. Our employees all have unique pre-existing conditions and she took into account each person's medical history, researched medication and coverage on each plan, and presented us with all of our options. She also coached us through how to structure our employee plans. She guided us through choosing plans and tailoring our employee benefits with professionalism, empathy, and amazing expertise, and has stayed in communication with us as we have onboarded different employees and grown our practice. They are absolutely the best and we are so grateful for them!”
Agnew Veterinary Reproductive Services
“I highly recommend C Kluge Associates for any insurance need. Their response time is unparalleled. But more importantly, in an everchanging healthcare insurance market, they have proven the ability to provide cost effective, out of the box solutions. And it doesn’t hurt that they have great personalities!”
Michael Haywood
CFO Furniture First, Inc.
“Working with Charlote Kluge & Associates has been an absolute game-changer for our small business. Navigating healthcare options used to feel overwhelming, but their team made it simple and stress-free. If you’re looking for a health insurance agency that genuinely cares,Charlotte Kluge & Associates is top-notch!”
John & Jennifer Smerlick
Northpoint Auto & Equipment
Get in Touch!
Schedule a free session with my team to discuss your insurance needs.
FAQ for Businesses
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We'll start with a free consultation to determine your insurance needs, and answer any questions you may have about our services and insurance options.
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We work with a robust list of carriers, including UPMC, Geisinger, Highmark, Capital Blue Cross, Delta Dental, Pennie.com, Aetna, United Concordia, and many more.
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I remain engaged throughout the year by offering assistance to you and your employees and checking for any needs you may have. At each renewal period, I am fully prepared to review your renewal and provide options and advice for the upcoming year.