OUR SERVICES

• CAPTIVE INSURANCE

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  The ability to have a level of control over your insurance destiny may sound like a foreign concept. Insurance and it’s pricing is typically tied to the ‘pool’ of customers that a carrier insures and rates are driven by that pools losses. Your premium includes fees for the carrier’s marketing expenses, administration, and overhead. Even with a year of no claims there’s a chance that your rates could be adversely effected.

  Group captives work best for good, safe companies spending over $150,000 for a combination of the workers compensation, general liability and auto. The ability to get a return on your investment, being about to manage your own claims, selecting whom you are insured with are just a few of benefits of such a program.

  Members who join seem to like the following:

  • It provides the same protection as a regular, guaranteed cost plan, but gives insureds a chance to earn back 60% of their premiums.
  • Premiums every year are based on each insured's last five years of losses. No artificial rates are used.
  • That 60% sits in an interest-bearing account, making investment income.
  • There's no "unknown" risk involved.

• CONSTRUCTION

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  CBM Insurance has the capability and knowledge to review, recommend, and advise on many types of construction risks.  From carpenters to plumbers, electricians to steel erectors, the team at CBM works within a number of construction industries to make sure that all exposures are accounted for and properly protected.  Assisting in the handling of construction insurance claims, reviewing experience modifiers, and providing certificates that meet required contract language are some of the things we do from day to day.

  • General Liability/Umbrella/Excess Liability
  • Commercial Property
  • Commercial Auto
  • Inland Marine/Equipment Floaters
  • Workers Compensation
  • Builders Risk
  • Contractor’s Professional
  • Pollution
  • Cyber Liability
  • Crime
  • Employee Dishonesty

• REAL ESTATE

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  CBM’s team advises on the various needs and exposures that are present for folks that own and operate properties: from millions of square feet of office space exposure, to a residential condominium and apartment complexes.  Our real estate insurance specialists have decades of combined property insurance knowledge to help you make an informed decision.

  The real estate insurance carriers that we’ve partnered with, both regional and national, have a broad scope of coverage options available to protect exposures such as Lessors Risk, Property Management Firms, Commercial Condominiums, and Residential Condominiums/Apartments.

  • General Liability / Umbrella / Excess Liability
  • Property
  • Ordinance and Law
  • Water / Sewer Back Up
  • Directors and Officers
  • Employee Dishonesty
  • Crime

• HOSPITALITY

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  For over 10 years, CBM Insurance has worked with a number of local restaurants, country clubs, and hotels to safeguard their businesses against losses.  From family owned and operated business, to national franchise owned business, we’re familiar with the needs that are present in making sure that nothing is overlooked when it comes to protecting our insureds.  Our hospitality insurance specialists will assist and educate you on your options.

  Among the major lines of coverage like business general liability and workers compensation, some other common and recommended coverage include:

  • Employment Practices Liability
  • Food Spoilage / Contamination
  • Business Income / Time Element Loss
  • Employee Dishonesty

• PROFESSIONAL SERVICES

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  CBM has extensive experience in working with those in the professional services field – Law firms, accounting offices, consultants, engineers, architects, etc.  Our professional services insurance agents have the experience and knowledge from years of relationships to provide you with all of your options.  These risks have a set of challenges different from other business types that they face on a daily basis:

  • Errors and Omissions / Professional Liability
  • Directors and Officers Liability
  • Cyber Liability

• DENTISTRY

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  CBM Insurance has partnered with a number of dental insurance carriers to help protect your practice from financial loss.  We’d like you to concentrate on taking care of your patients and operating your business while we handle protecting your business.

  A sampling of those that we can insure would be general dentists, orthodontists, periodontists, prosthodontists, endodontists, and pedodontists.  We understand the importance of comprehensive dentist insurance and the peace of mind it gives.

  We’re partnered with a number of carriers, one in particular – Cincinnati Insurance – that has the ability to insure both professional liability AND general liability on the same product form, both on an occurrence form basis, which is far superior to a claims made type policy.

• SOCIAL SERVICES

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  As the Human & Social Services industry grows, so does the risk that social service insurance can protect against.  CBM is familiar with managing risks like non profits, schools, and churches.  Exposures related to these accounts include:

  • Property
  • Business Income / Extra Expense
  • Crime
  • Professional Liability
  • Abuse or Molestation
  • Automobile
  • Umbrella / Excess Liability
  • Workers’ Compensation
  • Directors and Officers
  • Employment Related Practices
  • Workplace Violence
  • Cyber Liability

• PERSONAL LINES

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  CBM Insurance offers personalized risk services for individuals and their families through the tri-state area.  Our personal lines department works hand in hand with a variety of insurance carriers to protect the assets of our clients after performing a thorough review of their current coverage and having an open discussion about where exposure and risk is present.

  • Automobile
  • Residential Property
  • Vacation Property
  • Rental Property
  • Jewelry, Silver, Furs
  • Umbrella / Personal Liability
  • Boats / Yachts
  • Identity Theft

  Donegal Insurance is CBM’s preferred personal lines partner :

  CBM also works with high net worth individuals and families, partnering with high end insurance carriers like ACE, Chubb, and Fireman’s Fund, to adequately cover and protect their homes and valuables.