About Us
CBM Insurance is a local, independent agency with over 30 years of experience serving the tri-state area. We offer personalized insurance solutions tailored to our clients' needs and have partnered with over 15 national and regional carriers to provide a wide range of coverage options.
With expertise across various industries—from restaurants and wholesalers to contractors and property managers/owners—we prioritize building strong, personal relationships with our clients. Our team of sales executives, account managers, and service professionals takes a hands-on approach to address coverage inquiries, offer recommendations, and assist with claims. We are committed to frequent follow-ups to ensure our clients are treated fairly and that they experience the full value of choosing CBM Insurance as their trusted broker.
As part of our growth mindset, CBM has expanded its reach through strategic acquisitions. In 2020, we acquired Insurance and Financial Services (IFS), integrating their team and carrier partners. In 2022, we acquired the majority of shares in Business Insurance Services, Inc. (BISI Agency, Wilmington, DE). In 2023, CBM joined Alera Group, a national insurance and financial services firm, expanding our offerings to include employee benefits, property and casualty insurance, retirement planning, and wealth management solutions.
We are excited about our growth and the talented professionals we've added to our team. Thank you for choosing CBM Insurance—we look forward to earning your business!
Meet Our Team
Get to know the CBM Insurance team below and access their contact information.
For Insurance Certificates: certs@cbmins.com
For Carrier Partner billing and claims information visit: https://2000.aleragroup.com/cbm-carriers/
Amanda Melvin
Commercial Lines Sr. Account Manager
New to the CBM team, but comes with over 20 years of customer service and insurance experience. She started her career as an underwriting and for the last 15 year as a Commercial Lines Account Manager. Amanda prides herself on her outstanding customer service to her clients as well as building a trusting, caring relationship with them.
In her free time, she loves spending time with her family, watching movies, exercising and spoiling her two dogs, Tyson and Chino.
Julie McCaffrey
Commercial Lines Sr. Account Manager
Our newest addition to the CBM Team, Julie has over 14 years experience in the industry. Her career started in claims and then she transitioned to Commercial Lines Account Manager. Julie has a bachelor's and master's degree, as well as two insurance industry designations - CISR and CIC. She takes pride in her quick and accurate customer service skills.
Married with three children, she loves spending time with her family, coaching cheerleading, hanging at the beach, and watching her kids play sports.
Rachel Ferrell
Commercial Lines Sr. Account Manager
Rachel is a Commercial Lines Sr. Account Manager in the New Castle office.
Kassity Watson
Commercial Line Customer Service
Kassity began her career in insurance in 2022 at a local agency, where she quickly obtained her property & casualty and life insurance licenses. She grew up in Cecil County, MD, and graduated from Northeast High School and the Cecil County School of Technology in 2021, earning a medical assistant license. Now, in her new role at CBM Insurance in the commercial lines department, Kassity is excited to assist customers with all their insurance needs.
Resources
Our Business Insurance Carriers
For billing and claims information, visit our Carrier Partner page.
Captive Insurance
Group captives are ideal for companies with over $150,000 in annual premiums across workers’ compensation, general liability, and auto insurance. By creating a captive, businesses can assess the risks of subsidiaries, write policies, set premiums, and potentially earn back up to 60% of premiums in profits or invest for future claims. Some captives also insure the risks of their group’s customers. Benefits include:
- Protection similar to a traditional, guaranteed cost plan.
- Premiums based on the insured’s actual losses over the last five years (no artificial rates).
- No “unknown” risks.
Construction Insurance
CBM Insurance specializes in assessing and advising on a wide range of construction risks, including:
- Property damage
- Income loss
- Employee injuries
- Liability risks
Construction insurance provides financial compensation for losses during building projects, protecting against errors and unforeseen events that lead to damages during construction.
Dental Practice Insurance
CBM Dentist Insurance Services (DIS) offers comprehensive coverage tailored to the unique needs of dental practices. We provide:
- Dental office packages
- Professional liability
- Employment practices liability
- Workers’ compensation
- Cyber defense
Additionally, we offer personal insurance for dentists and their families, including life, homeowners, and disability insurance.
Hospitality Insurance
CBM Insurance works closely with local restaurants, country clubs, and hotels to protect them against various business risks. Common coverage options include:
- Business general liability
- Workers’ compensation
- Employment practices liability
- Food spoilage/contamination
- Business income/time element loss
- Employee dishonesty
Personal Lines Insurance
CBM Insurance offers personalized coverage for individuals and families across the tri-state area. We partner with local and regional carriers to provide insurance for:
- Personal auto
- Homeowners and vacation properties
- Personal umbrella policies
- Scheduled jewelry and valuable items
We’ll also review your existing policies and recommend coverage adjustments based on our expertise.
Professional Service Insurance
CBM has extensive experience working with professionals such as law firms, accountants, consultants, engineers, and architects. Common risks include:
- Errors and omissions (professional liability)
- Directors and officers liability
- Cyber liability
We help protect professionals from claims related to inadequate work, negligent actions, or errors in their advice or services.
Real Estate Insurance
We offer a wide range of coverage options for the real estate industry, including:
- Lessors risk
- Property management firms
- Commercial and residential condominiums/apartments
- General liability, umbrella, and excess liability
- Property, ordinance, and law coverage
- Water/sewer backup
- Directors and officers liability
- Employee dishonesty and crime protection
Social Services Insurance
CBM Insurance understands the unique risks faced by non-profits, schools, and churches. We offer coverage for:
- Business income/extra expenses
- Professional liability
- Abuse/molestation
- Umbrella/excess liability
- Directors and officers liability
- Employment-related practices
- Workplace violence
EXPERT EDUCATION
Events and Webinars
Employee Benefits
Designing Benefits for Early - and Mid-Career Employees
In our three-part webinar series, Designing Benefits That Work – A Data-Driven, Multigenerational Focus, we’ll explore multigenerational workforce insights, debunk generational myths, share early- and late-career benefit strategies, review legal and compliance trends, and provide actionable tools and resources.
February 4, 2026 at 10:00 am CT | Virtual
Sign Up
Employee Benefits
Navigating Medicare
The knowledgeable team at Alera Group is here to help you navigate your Medicare options to ensure you feel confident in your post-65 healthcare coverage.
February 11, 2026 at 12:00 pm CT | Virtual
Sign Up
Property and Casualty
Top Cyber Threats of 2026 – and How to Mitigate Them
Cybercriminals have a new playbook—your business could be next.
February 17, 2026 at 01:00 pm CT | Virtual
Sign Up
THOUGHT LEADERSHIP
Insights
Property and Casualty
Are you prepared for 2026? Property and Casualty Trends Uncovered
The sixth annual Property and Casualty Market Outlook from Alera Group sets the stage for how organizations can recalibrate their risk strategies in 2026. Built on thousands of data points — including a nationwide survey of insurance company partners and wholesale intermediaries — this report delivers actionable insights for insurance buyers, risk managers and business leaders.
December 17, 2025
Find out more
Property and Casualty
Top 5 Insurance Surprises Businesses Face in Q4 — and How to Prevent Them
As year-end approaches, many organizations focus on closing out financials and planning for the year ahead. It’s also the time when insurance programs often reveal unexpected challenges, some avoidable, others the result of shifting market conditions or overlooked details.
October 30, 2025
Find out more Property and Casualty
Alera Group’s 2025 Property and Casualty Market Update
Alera Group’s 2025 Property and Casualty Market Update, designed as a bridge between Alera Group’s annual Market Outlooks — provides insight into pricing, coverage availability, market capacity and underwriting trends for the balance of 2025.
August 1, 2025
Find out more Property and Casualty
Severe Weather Is Getting Worse. Is Your Business Interruption Insurance Keeping Up?
The increasing frequency and severity of weather- and climate-related events such as catastrophic storms, floods and wildfires make business continuity planning more important than ever. Part of your plan should include reviewing your organization's Business Interruption Insurance coverage.
May 5, 2025
Find out more