Self-insured employers and plan sponsors know that balancing employee health benefits with the fitness of their bottom lines isn’t easy. That’s why partnering with stop-loss veterans who have a strong market focus is key to business success.
With more than three decades in the stop-loss industry, Commencement Bay Risk Management Insurance Company® (CBRM) is a well-capitalized carrier skilled at managing volatility—and, ultimately, your cash flow.
Products and Services
From specific to aggregate stop-loss solutions, we offer best-in-class contracts that were developed in partnership with brokers and include market-leading features, such as advanced funding, flexible rate caps and no new lasering at renewals.
Why CBRM?
The increasing frequency and severity of high-dollar health claims requires new ideas and solutions. Our company’s “A” rating from A. M. Best and over 90% client persistency are testament to our success in keeping rate increases below the industry average. They also mean we’ll be there when you and your employees need us most.
Our Team
When you choose CBRM, you have the focused attention of dedicated stop-loss underwriting experts and a sales team, both with an average industry experience of 25 years in designing solutions for the unique needs of your business.
CBRM operates on a relationship basis with conversational underwriting. Stepping away from the traditional spreadsheet approach is refreshing; I can count on them to look at report details and provide a competitive quote/contract options unique for each case. They meet deadlines, follow up on requests and support last minute fine-tuning when necessary.
Susan Kruger – Intermediary Services LLC
I was really pleased to have CBRM in our meetings. The Sr. Regional Sales Executive brings extensive knowledge and experience to tough problems; he was supported by Underwriting.
It wasn’t just about rates; they bring ideas and solutions.
Mike Burns – Parker Smith & Feek