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About Us

Located just outside of Washington, DC, we have been ranked as one of the area’s top employee benefits brokers by the Washington Business Journal’s Book of Lists for over 18 years.

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The Potomac Timeline

April 1, 1985

Joe Appelbaum enters the insurance industry.

February 1, 1986

Joe moves to DC Metro area.

April 1, 1986

Joe acquires first client, Guernsey Office Products (still an active client).

April 1, 1990

Potomac Companies is formed.


Potomac Companies incorporation.


Potomac Benefit Administrators (PBA) formed, TPA services for FSA & HRA.

2000 - 2009

Potomac experiences explosive growth.

2010 - (present)

Shift emphasis to lower middle market and consultative practice. ACA & HR SME.


Establish KISS – Keep It Simple Solution™ for integrated Human Capital Management (HCM).

April 1, 2020

CalmHR Professional Employer Organization (PEO / ASO) established for professional services firms and emerging government contractors is created.

January 1, 2021

CalmHR Professional Employer Organization (PEO / ASO) is launched.

May 1, 2022

Potomac Companies mergers with Acrisure, LLC

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