Areas of Practice
Hemp and Cannabis
Our branch arm “Cannabis Insurance Business” focuses primarily on hemp and cannabis related business. With years of experience in the hard-to-navigate space of hemp and cannabis business, you can find no team better to handle your insurance needs than CIB. Our team understands the laws, regulations, and coverage needs for this type of business better than any other insurance brokerage in the country. We have access to the top markets in the space, and pride ourselves on being the best in the Hemp/Cannabis sphere.
Aviation
Our branch arm “Elevated Aviation Insurance” focuses primarily on flight and aviation related business. Will Schulz, one of CIB’s brokers, is an active emergency wildland firefighter who frequently travels across the country by helicopter. Being interested in that specific type of exposure, he learned about the insurance risks involved in aviation, and became our aviation risk professional. With our expertise, and help from the top aviation markets in the country, CIB is well equipped to handle your aviation insurance needs.
Insurance as required by contract
If you or your company is contracted by another company, often that company will require your business to carry its own insurance with specified limits. CIB has the expertise and knowledge to review these contracts and provide you with coverage that specifically meets your contractual obligation. Once coverage is in place, we will promptly provide you with a Certificate of Insurance (COI) which can be presented as proof of insurance with the contractually required coverages and limits.
Workers Compensation
Let us help you protect your most valuable asset: your employees. One of the most common types of insurance claims are workers compensation claims. Having an experienced team that can help guide you and your employees through potential claims is an invaluable resource. We have great rapport and collaboration with our markets and wholesale partners allowing us to ensure any claims are processed as smoothly as possible. CIB values our team more than anything, and we know you do too. We’re here to help protect your team!
Commercial Auto
CIB has access to the best commercial auto markets in the country. Whether you have one commercial vehicle, or a fleet of 30, we have the knowledge and expertise to protect your vehicle assets. We work diligently with our brokers and carriers to ensure you get the best price available for your vehicles and if and when a claim happens, we make sure it is handled in a speedy and appropriate fashion.
Homeowners and Condominium Associations
Our branch arm “Community Insurance Business” focuses primarily on HOA’s and Condominium Associations and habitational risk. We are highly competitive in this market, and we work with some of the best wholesale brokers in the country to ensure that large-property communities are properly protected from disaster. We truly care about our communities and community members and want to make sure their associations are protected for their peace of mind.
commercial Property
We specialize as commercial property experts. One of our biggest markets, commercial property ensures that your most valuable asset is protected properly. Property is a complicated branch of insurance, and there are a lot of exposures that can cause a loss. Our knowledge and expertise of these exposures, and our understanding of the nuances of your particular business, make us the best choice for your property insurance needs.
Professional Liability
Whether you’re looking for Directors and Officers (D&O), Errors and Omissions (E&O), or Employment Practices Liability Insurance (EPLI), we have markets for you! This insurance protects you as the company owner and your officers from liability arising from decisions or mistakes that result in lawsuits, damages, or loss as a result of those decisions or mistakes. Everyone makes mistakes, and we have the knowledge to make sure your company is properly protected in such an event!
Builders Risk
Builders Risk insurance is purchased while a construction project is being undertaken. During a construction project, your business will be exposed to certain risks that are unique to buildings under construction. These include the potential for theft and your building being more vulnerable to wind and other elements-related damage. A builders risk policy helps protect you from these exposures. The term of a builders risk policy can apply for the entirety of the construction project, and once construction is complete and builders risk policy no longer applies, our team can help you secure the appropriate property liability coverage for your newly constructed building.
Lessor’s risk only
If you are a landlord of a building, and you want to protect the building as a landlord, you will need a Lessor’s Risk policy. As the landlord or “lessor” of the building, your exposure exists in the form of damage to your building or property by either existing/natural risk factors or your negligence of your tenants. Either way, your business is to operate as a landlord of property, and protecting that property is crucial to your livelihood. We specialize in protecting property as it relates to lessor’s and can help ensure proper coverage is in place.
Construction Contractors
Our branch arm “Contractors Insurance Business” focuses primarily on construction contractors and businesses. Bowen on our team is a carpenter by trade, having worked for years in the construction and project management industry. Combined with his knowledge of the inner workings of the industry, and CIB’s vast insurance knowledge, our team has all the tools to ensure that your business and your employees are properly protected. Contractor insurance is complicated, you want an insurance team who understands those complexities and can help you navigate them.
Manufacturing and Distribution
Our company excels at writing all kinds of manufacturing and distribution companies. We understand the risks associated with manufacturing, product liability, and distribution of those products. We work with you to fully understand your specific risk and operations to make sure you have all the necessary coverage to keep you protected. Specific products may also require an Inland Marine policy or a Stock Throughput policy, and our team can help you navigate the differences and determine which is right for you. Keep your facilities and your products protected with experts who understand your particular needs!
Home and Auto
Though we specialize in business insurance, we have access to the top markets for Home and Auto insurance as well, and each year we save countless clients hundreds and even thousands on their home and auto policies. We would love to take a look and see where we can save you not only money, but the hassle of shopping your own insurance as well.
Captive Solutions & Insurance Consulting
Often times for larger businesses, several types of insurance are required and risks/exposures can be complicated and difficult to understand. This is where we excel! We are specialized professionals dedicated to navigating particularly difficult to insure risks/exposures. Consult with us to better understand your exposures and ensure you are properly protected. An insurance policy is a contract, and understanding a contract is difficult without specific expertise tailored to. Allow us to be your expert and break down the complicated language of a policy into language that makes sense for you and your businesses. We understand the importance of having insurance satisfy a contract and are experts navigating this for our clients. We also recognize the captive trends (single parent and group) and can help here too as many are wanting to captivate their own pay-in and assume risk, in order to save and put their money to work!
Life and health
Protecting your family from the inevitabilities of life can seem like a daunting task. Let us help protect you and your family. We consider CIB to be a family, and we treat our clients the same. Let us take our share of the burden of your life and health policies and find what works best for you.