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Brian Carroll joins the Small Business Insurance Agency.


Asperia, Inc., launches as a full-service Third Party Administration (TPA) firm and provides a diverse portfolio of qualified plan services for both businesses and individuals.

Brian Carroll


Asperia, Inc. offering includes plan design, administrative, and compliance services for retirement plans including 401(k) plans, Section 125 plans, and Health Reimbursement Arrangements (HRAs) for employers. Asperia delivers exceptional customer service, utilizing an enhanced technology platform and distributing services through multiple channels.


Lisa Carroll joins SBSB.

Lisa Carroll


Brian Carroll becomes the President and CEO of the Small Business Insurance Agency and Carroll Enterprises, Inc.


Teleunderwriting.com launches to provide consumers with the online resources, interactive tools and telephone assistance needed to make the processing of insurance applications as easy as possible.

Teleundewriting.com combines personal service and the Internet to deliver an improved method of obtaining the financial security that consumers’ desire.


About Carroll Enterprises, Inc.

Carroll Enterprises, Inc. developed Pivot® through its subsidiary the Small Business Insurance Agency, Inc. (SBIA), a full-service insurance agency. Since 1979, SBIA has helped consumers and small business owners find insurance coverage tailored to their specific situation and financial needs. Pivot® allows consumers to instantly receive life insurance quotes and compare plans from trusted insurance carriers.

About Small Business Insurance Agency, Inc.

As one of New England’s largest full-service insurance agencies, SBIA has long established relationships with the nation’s leading insurers and health plans.

Brian K. Carroll and Small Business Insurance Agency, Inc. DBA as Pivot® are licensed to offer insurance products in the following states:

SBSB Main Street


Carroll Enterprises, Inc.
incorporates and offers
distribution and support
services to brokers,
insurance companies,
financial establishments
and government agencies.

Carroll Enterprises, Inc.
expands its current
headquarters building at
554 Main St,
Worcester, MA 01608


Small Business
Insurance Agency, Inc.
launches as a traditional
full-service insurance agency
licensed in all 50 states to
help consumers and small
business owners find
insurance coverage tailored
to their specific situation
and financial needs.


SBSB is founded by first generation entrepreneur Francis R. Carroll. Every- where he went Mr. Carroll saw that very small businesses needed legislative advocacy to get their voices heard, business knowledge to help their business grow, and access to group health and dental insurance. From that grew the idea to pool these small companies into a national small business organization that would give them the clout and influence of a big business.

Francis R. Carroll

Today SBSB is a national membership organization serving the small business community—family businesses, home-based businesses, small companies, military veterans turned entrepreneurs, and the self-employed.

Pivot Life Insurance History


Carroll Enterprises, Inc. continues to grow and expands the operations to include office space located at 60 high Street, Worcester, MA 01608 and 2535 Kettner Blvd, San Diego, CA.


SBSB, a division on Carroll Enterprises, becomes the first company to launch and manage a state health insurance exchange by being selected as the Massachusetts Commonwealth Connector Choice sales and service platform.

SBIA expands into Bank and Financial Institution insurance processing support by opening a new operational facility located at 14601 27th Avenue North, Plymouth, MN.

San Diego Offices


SterlingBridge launches and elevates underwriting to an art form. SterlingBridge uses its years of case design, underwriting expertise and exceptional carrier relation- ships to bring together an unparalleled holistic approach. SterlingBridge paints high quality case management designs with a broad brush that are worth a second glance . . . the first time.

Mosaic IX


Lisa Carroll becomes the President of the Mosaic Insurance Exchange when it launches as a private, full-service employee benefit exchange to develop and provide online shopping experiences in high security environments for health, dental, and life insurance carriers across the country. The integrated B2B solution combines customer-centric sales, administration and support services for small and large employers, employees, and insurance brokers.


Pivot.com launches as a social life insurance marketplace and community for life’s pivotal moments. Pivot understands life insurance but also understands families.  The goal at Pivot is to provide the best life insurance policy to fit with specific family situations and financial goals.   Pivot.com partners with individuals through all of Life’s Pivotal Moments.