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.



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.

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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.

Meet Our Team

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