commercial
insurance

PROPERTY & CASUALTY

At TBM, our knowledge and experience is what has made us successful for over 25 years. We evaluate your Insurance and Risk Management program in three distinct areas: Design of Coverage, Service and Price. The combination of these can be used to measure the real cost of your program.

While cost is always a significant component, we firmly believe it is far more important to reduce the Total Cost of Risk for our clients. Simply said, the “lowest price” is not always the right price because an uncovered loss can ultimately destroy everything you have achieved.

Products

In utilizing our extensive network of insurance carriers, we can tailor your insurance program to meet the unique exposures of your organization. Below is a list of some of the leading products we offer our clients.

  • Commercial automobile
  • Commercial crime
  • Commercial general liability
  • Commercial property
  • Directors and officers liability
  • Employee benefits liability
  • Employment practices liability
  • Fiduciary liability insurance
  • Inland marine insurance
  • Umbrella
  • Workers compensation & employers liability

services

What sets TBM apart from others is the service that we provide. As a service-driven, specialized risk management team, we commit to meeting your needs and exceeding your expectations. Our success in the area is evident in our long-lasting relationships with our clients.

  • Claims management
  • Client education
  • COMPARATIVE ANALYSIS
  • Contract review
  • Loss control management
  • Policy audit review
  • risk analysis
  • RISK MANAGEMENT AND INSURANCE DUE DILIGENCE