The advisor who used to price plans like yours
My name is Patrick Hardie
I started in this industry at 18, in the mail room at Pacific Blue Cross. Over the years I worked my way up to the underwriting desk, pricing the very group benefits plans employers like you were buying.
That vantage point changed how I think about this industry. I saw how renewal increases get built, which levers genuinely move a number, and how rarely any of it gets explained to the person signing the cheque.
Safe Crest exists because I believe you should understand your coverage before you commit to it — not after.
How I work
I'm not aligned to any single carrier. Safe Crest is an independent brokerage, so I compare options across multiple insurers and build them around your situation, not one company's product line.
• Clarity before commitment. You'll understand what you're buying, what it costs, and why, before anything is signed.
• Education over pressure. My writing on Insights exists so you can learn how this industry actually prices things, whether or not you become a client.
• A response you can count on. When you reach out, you hear back from me personally within 1 business day.