New Castle, DE

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