To assure objectivity for our clients, IBC does not sell any type of insurance nor are we affiliated with anyone who does. Our income is derived solely from fees for consulting assignments. We are advisors to and advocates for our clients, and only our clients. Our professional staff averages over twenty year's experience in risk management and insurance and most have earned the prestigious Chartered Property and Casualty Underwriter (CPCU) and Associate in Risk Management (ARM) designations. Since we are constantly monitoring the insurance industry we can advise you of new trends and state of the art risk management techniques and products that may better suit your needs. We quickly respond to your requests for specific advice on an "as needed" basis. We can also serve as your proactive outsourcing risk management department. We provide only those services needed, while acting in concert with you to meet your goals and objectives. While we make no promises in advance that we can reduce your costs, experience shows that there are many opportunities to do so through improved use of risk management techniques and/or more effective program administration.