About Us

    Alera Group, formerly Barnes Insurance & Financial Services is a performance based, proactive, benefit firm committed to our client's success. Founded January 1, 2005 as a LLC, BIAFS has offices located at 1582 Airport Boulevard, Pensacola, FL 32504. In August of 2018 we joined Alera Group giving us a vast amount of resources to better serve our clients.

    Our principal lines of business are Health, Dental, Life, Disability, Supplemental Policies, and Financial Services. United HealthCare, MetLife, UNUM, Guardian and ING are just a few of the carriers with whom we write business. BIAFS is a Blue Diamond agency with Florida Blue (highest agency status with Florida Blue). One of the most respected insurance agencies in the panhandle, Barnes Insurance & Financial Services has grown rapidly into a top ten agency with Florida Blue with over 15,000 lives insured.

    As a Florida Blue contracted general agency, we have the ability in certain circumstances to help employees transition their dependents to individual health policies. We are also available to counsel with employees and dependents that no longer meet eligibility requirements to review their specific options and possibly limit their cost and the employer’s COBRA exposure.

    With a combined working experience of over 100 years, BIAFS has 8 accomplished employees with a diverse insurance background that complements our clientele.

    Hours of operation are Monday through Friday 8:00 A.M. to 5:00 P.M. CST and all federally recognized holidays are observed.

     

    Securities offered by certain representatives through Osaic Wealth, Inc., Member FINRA/SIPC. Osaic is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic.

    Meet Our Team

    David Nicolette

    Sales Executive
    David Nicolette

    (404) 345-3124

    Graduating from the University of Mississippi with degrees in Risk Management, Insurance, and Managerial Finance, David was inspired to pursue a profession in insurance because he believes this industry is a true difference-maker across all sectors. He appreciates having the ability to play a role in so many different clients’ success, not only in the present but also in the future.

    David is a hard-working, detail-oriented individual and brings a high level of energy to everything he does. Being a younger producer in the insurance industry, David has the luxury of being able to grow alongside clients for many years to come.

    David enjoys spending time with family and friends. He believes relationships are essential, and he takes full advantage of any opportunity he gets to be with those closest to him. David is also interested in health and spending time in the gym, playing tennis and golf.

    Lisa Knichel

    Small Group Service Assistant/ Administrator
    Lisa Knichel

    EXPERT EDUCATION

    Events and Webinars

    Employee Benefits

    When Captive Insurance Makes Sense

    In this session, our experts will talk about how captives work, the advantages and disadvantages and what you need to know to determine whether they make sense for your organization.

    November 21, 2024 at 01:00 pm CT | Virtual

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    Webinar Graphic

    Employee Benefits

    Q4 Compliance Update

    Alera Group's quarterly employee benefits compliance roundup will help you stay current on the latest national regulatory developments impacting employers.

    December 3, 2024 at 01:00 pm CT | Virtual

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    Webinar - Legal Graphic

    Employee Benefits

    Setting Your Strategy for the New Year: Alera Group's 2025 Employee Benefits Market Outlook

    Our experts will highlight key results from Alera Group’s 2025 Employee Benefits Market Outlook Report and explain how these trends can impact your benefits program this year.

    January 16, 2025 at 01:00 pm CT | Virtual

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    Webinar graphic - Alera Engage

    THOUGHT LEADERSHIP

    Insights

    Employee Benefits

    Avoiding an Employee Lawsuit Over a Tobacco Surcharge Claim

    Tobacco surcharges on health insurance premiums for employees who use tobacco products are attractive options for employers looking to keep their workforce healthy while lowering their organization’s healthcare costs. But surcharges can go too far, and many employers may be unaware of the limitations. Alera Group's new whitepaper on tobacco surcharges is designed to assist employers in complying with federal regulations.

    November 19, 2024

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    Wealth Services

    Weekly Market Update

    Stocks fell last week as the postelection rally lost momentum amid an inflation uptick and cautious comments from Fed officials.

    November 18, 2024

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    Employee Benefits

    Q4 Considerations: New HIPAA Privacy Considerations

    Earlier this year, the Department of Health and Human Services (HHS) issued a Final Rule titled HIPAA Privacy Rule to Support Reproductive Health Care Privacy.

    November 15, 2024

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    Employee Benefits

    Spotlight on 2025 Benefit Limits

    The IRS has released the 2025 benefit plan limits. The following chart shows some of the key limits for the 2023, 2024 and 2025 tax years.

    November 15, 2024

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