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Las Cruces

141 Roadrunner Parkway, Suite 109 Las Cruces, NM 88011


Las Cruces Insurance Brokers

At Higginbotham in Las Cruces, our story is one of partnership, community and a steadfast commitment to serving the insurance needs of southern New Mexico. Our business philosophy centers on a client-first approach, where personal relationships and community involvement are at the heart of everything we do. We pride ourselves on understanding the unique needs of the people and businesses of Las Cruces, better equipping us to offer tailored insurance solutions that meet your needs.

Our presence in Las Cruces is built on the strong foundation laid by Pat Campbell Insurance Agency. Pat Campbell Insurance was founded in 1946 as a commercial and personal property/casualty insurance, employee benefits and individual life/health insurance broker. In 2020, the Pat Campbell Insurance team became part of Higginbotham, gaining access to in-house services like risk management, human resources consulting and outsourcing, claims management, certificate validation and more.

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Home, Auto and Health Insurance

Your family, your home and your health are some of your most valuable assets. They’re worth protecting, and our team is here to help you do just that. From individual life and health insurance to home and auto, we’re here to help cover what matters most to you. That’s why we offer a variety of personal insurance products, helping our team to find the right insurance options for your needs and your budget.

Employee Benefits for Las Cruces Businesses

In today’s competitive job market, offering a comprehensive employee benefits package is more than just a perk; it’s a critical tool for attracting and retaining top talent. That’s why our employee benefits solutions are designed to meet the diverse needs of both employers and employees through a range of benefits options.

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Health Insurance

Health insurance is a cornerstone of any employee benefits package, especially in today’s rapidly evolving health care landscape. Our customizable group health plans are designed with the goal of helping your employees access quality health care, whether that’s through a PPO, HMO, HSA or another plan option.

And, with supplementary health coverages like critical illness, cancer and gap health insurance available, you can give your employees the flexibility to choose the health care coverage that best suits their needs and the needs of their families.

Disability Insurance

Disability insurance is an essential aspect of helping to protect your employees’ financial stability in the event of an unexpected illness or injury. Our offerings include short-term disability, long-term disability and long-term care policies, with voluntary and group insurance structures available. While your benefits broker will explain these options in detail, here’s a brief overview of these offerings:

  • Short-term disability (STD) insurance provides financial support to employees who are unable to work due to a temporary disability like illness, injury or childbirth.
  • Long-term disability (LTD) insurance extends this coverage, offering financial support for more extended periods of incapacity.
  • Long-term care insurance assists with the cost of care and living expenses if a policyholder suffers a severe cognitive impairment (such as dementia or brain injury-related impairments) for more than 90 days or becomes unable to perform two of the six Activities of Daily Living (ADLs).

Retirement Plans

A well-structured retirement plan is not only beneficial for your employees’ future, but it can also serve as a valuable tool for attracting and retaining top talent. Our team can help you add this important benefit to your total compensation package in a way that suits various employee needs and preferences.

With retirement plan options that include 401(k) plans, defined benefit plans, fixed annuities, 403(b) plans, deferred compensation plans and more, you can provide your employees with a way to invest in their future while fostering a culture of long-term thinking and financial security.

Vision and Dental Insurance

Vision and dental insurance are often overlooked in benefits packages, but these offerings can help address aspects of employee health and wellness that are frequently neglected due to the prohibitive costs associated with vision and dental care. Both of these policies can be offered on a voluntary or group basis, giving employees flexibility and access to a range of vision and dental services, depending on the specific policy selected, to help them better maintain their overall health.

Life Insurance

Life insurance is a vital component of any employee benefits package, helping to offer peace of mind to your employees and their families. Life insurance helps ensure that, in the event of an untimely death, employees’ families are provided for financially.

Our life insurance solutions in Las Cruces include voluntary or group life insurance coverage, giving you, the employer, the flexibility to tailor your benefit offerings to your employee demographics, needs and preferences.

Employee Benefits Services

Higginbotham’s Day Two Services® for employee benefits are designed to take the complexity out of managing your benefits package. Our benefits support team can help lighten your HR team’s workload through a suite of services, including:

Compliance and COBRA Administration

Our team can help you navigate the complexities of health care laws, COBRA and other applicable federal, state and local regulations, working to help keep your business compliant.

Employee Response Center

Our in-house call center provides your employees with direct access to our benefits specialists, reducing the burden of your human resources team. Employees can call or email Higginbotham’s Employee Response Center to ask questions or receive assistance on topics ranging from open enrollment to health insurance claims.

Benefits Communications

Effective communication is key to helping your employees understand and appreciate the value of their benefits package. Our benefits communications team can create customized strategies and collateral that provide information on benefits options, open enrollment, employee wellness programs, total compensation packages and more.

Employee Wellness Programs

Effectively promoting health and wellness within your organization can lead to reduced health care costs and improved employee productivity, morale and retention. Our population health management team can design and implement customized wellness programs that are tailored to your workforce, helping to encourage healthy lifestyle choices and employee wellness.

Benefits Administration

Managing the day-to-day aspects of your benefits programs can be challenging. Our benefits administration services can help manage open enrollment, FSA and HRA administration, plan changes and other benefits administration tasks, allowing you and your HR team to put a greater focus on your most important asset: your people.

Business Insurance in Las Cruces

Commercial Coverages

From inland marine to workers’ compensation, our business insurance solutions are designed to help protect your enterprise from a range of risks.

Industry Specializations

We understand that every industry has its unique challenges, and that’s why we offer specialized insurance services tailored to the specific needs of your industry.

More Than Just Insurance

Our commitment to your business goes beyond offering insurance policies. We supplement our insurance solutions with Higginbotham’s Day Two Services®, which include services such as:

Your Insurance Partner in Las Cruces, NM

At Higginbotham, we’re more than just your insurance provider; we’re your partners in protection through personalized solutions and year-round service to help you get the most out of your coverage. Whether you’re seeking to protect your family, your business or your employees, our team is dedicated to staying by your side, even after your policy is placed.

Ready to take a step toward a more secure future with an insurance partner by your side? Talk to a member of our team and discover the Higginbotham difference.

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Las Cruces

141 Roadrunner Parkway, Suite 109 Las Cruces, NM 88011