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4Liberty is a leading technical & professional services firm focused on energy & infrastructure. We manage large scale programs and projects for diverse clients across North America. We help utilities through the energy transition necessary to meet customer expectations, adhere to government mandates, and reach sustainable goals. We help commercial, government, and municipal customers implement the modern infrastructure needed to bolster security, improve connectivity, and ensure environmental and social justice.
HBT is a not-for-profit health and welfare trust that provides group health and welfare benefits on behalf of participating employers for nearly 265,000 eligible employees, their eligible dependents, and beneficiaries employed in health care and social services in British Columbia. The primary benefits provided by HBT are Group Life, Accidental Death & Dismemberment (AD&D), Weekly Indemnity, Long Term Disability (LTD), Extended Health, and Dental. HBT ensures these benefits are administered in accordance with provisions and plan design negotiated by HEABC, CSSEA, and single-site collective agreements.
A New Risk Management Architecture - Emerald Bay is an updated solution to solve the problems created in a fractured/dislocated market. We are structured to ensure accountability throughout the life cycle of a risk, driven by integrity of underwriting. Collaborative, Tech Enabled Underwriting - Our technical underwriting and portfolio management is supported by cutting edge technology. We work in partnership with our MGA/PA and reinsurance capital partners to ensure long term sustainability. Partnership: A Full Alignment of Interests - Our approach requires that from producer to carrier to reinsurer all partners are invested in an aligned strategy. Our laser focus is on capital protection so we are there for our insured when they most need us.