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Our Firm

No conflict of interest
CIB Insurance Services, LLC is a fee-based insurance consultant retained by registered investment advisers to develop and implement customized, cost-effective insurance programs. We are not paid commissions in any form. This frees us from any conflict of interest and positions us as trusted advisers to our clients.

No commission means substantial savings to you
We place coverage net of commissions with the leading insurance carriers in the U.S. and London markets, thus saving our clients anywhere from 10% to 20% annually. With no conflict of interest, we negotiate premium savings aggressively. With commission-based agents and brokers, the more you pay, the more they earn. Our business model aligns our interests with yours, not against yours.

Licensed insurance consultants provide unbiased advice and work only for you
Because CIB Insurance Services, LLC is licensed as an insurance adviser or insurance consultant (different states use different legal terms) all policies are placed by our parent company, Chartwell Insurance Brokers, Inc., with no commission loading. (Occasionally we may utilize the services of a third party intermediary which may be directly compensated by the insurance company.) Neither CIB Insurance Services nor Chartwell Insurance Brokers derives any financial benefit from these relationships, either as soft dollars or hard dollars. We confirm all placements to our clients at "zero commission" with documentation from the insurance carrier or third party intermediary.