Your Fiduciary Partner for Corporate Insurance

Objective Corporate Insurance Stewardship, No Insurance Sales

Unlock Your Fiduciary Advantage

Solutions Tailored To Your Needs

From Health & Welfare to Property & Casualty, we act as your internal insurance operations team — delivering cost control, risk management, and structured programs tailored to your organization.

Health & Welfare

When you hire KBIC as your fractional Vice President of Internal Corporate Insurance Operations, you gain an experienced colleague focused on delivering the highest-quality insurance benefits at the most economical cost for both employees and shareholders. While working exclusively on your behalf as a fiduciary, we collaborate with your broker as a peer to ensure strong plan performance, compliance, and overall member satisfaction.

Property & Casualty

When you partner with KBIC as your fractional Vice President of Internal Insurance for Property & Casualty, you gain an experienced colleague focused on risk mitigation at the most efficient cost. Working exclusively on your behalf as a fiduciary, we collaborate with your broker as a peer while identifying coverage gaps or overinsurance and presenting an objective pathway forward that reduces the financial and administrative burden insurance can create.

Why Business Leaders Consider KBIC

Business Leaders who self-identify their own lack of time, expertise or desire to maximize the value of their insurance spend.

Time

Learn More

Expertise

Learn More

Desire

Learn More

Founded in 2010, KBIC Consulting was created to transform how business leaders receive insurance advice. After years in the industry, Andy Kaelin, alongside Rob Brogan, recognized limitations of the traditional broker-client relationship. While challenges exist on both sides, a shortfall often lies with the client. This is not due to a lack of intelligence, but because most business leaders simply do not have the time, expertise, or desire to manage and maximize their insurance relationships.

Although broker compensation structures are dynamic, a significant contributor to inefficiency in corporate insurance programs is driven by the client’s inability to collaborate with and oversee their service providers as peers. KBIC was founded to close this gap as a fully independent, fee-only fiduciary dedicated to delivering objective, customized guidance.

KBIC serves nonprofits as well as clients in manufacturing, construction, real estate, and distribution. KBIC does not sell insurance products and does not replace your broker. Instead, we strengthen your ability to collaborate effectively with the insurance industry and its brokers to achieve more efficient and transparent outcomes. Acting as your fractional Vice President of Internal Insurance Operations, our team now supports more than 70 organizations and provides unbiased oversight and strategic expertise. We help optimize coverage, reduce costs, and streamline processes.

Built On Trust

 – Driven by

Results

Our Team
Our Services

What Makes Us Unique

 

We don’t sell insurance. We help you manage it.

What Our Clients Say

“KBIC’s Team has been a tremendous addition to our Team.  We have known of KBIC for a while. In the past, we chose not to utilize their services, thinking we could achieve the results on our own with our broker relationships.  We found that not to be the case through many trials and tribulations. In 2022, we hired KBIC to manage our insurance process and have re-upped for another year.  They truly act as a fractional chief insurance officer and are a part of our team.  Their experience and service in this realm are top-notch, and their fiduciary approach is like nothing I have experienced in managing insurance.  As CFO, I can now review data, provide input, direction, and vision, and then KBIC handles the rest.  Oh, and I almost forgot they save us money too!“

– CFO, GEMCO Constructors LLC

“We engaged KBIC to act as our “Chief Insurance Officer” for both health insurance and commercial liability.  They keep our insurance providers honest and do a great job of managing our renewals and risks. They are invaluable.”

– CFO, Browning Investments

“KBIC provides value added tactical and strategic employee benefit advice and guidance. A truly beneficial partnership that leverages industry knowledge into long and short term strategic planning,  cost reductions, and enhanced benefits offerings to employees.”

– Director of HR, Surface Prep

“Managing corporate health insurance and wellness programs is a complex and crucial function for any business leader, with the ultimate goal being to offer great options to our team members at a reasonable cost. With the health insurance environment being one of ever-increasing and opaque insurance costs, this requires industry knowledge and creativity that exceeds many businesses’ internal capacities.

 KBIC has helped us craft creative and competitive health insurance and wellness offerings for our team members. They’ve accomplished this by working side by side with our Team and taking the time to understand what’s important to us. They have then used their deep knowledge of the broker and insurance industry to help us align with partners that fit our needs. We count on KBIC to help us deliver great results for our team members!”

– Chairman & CEO, Citizens State Bank

Read All Our Testimonials

Let's Connect

Have a question about our Corporate Insurance services? Want to learn more about how to get started?​

Contact Us!

Time

Time is a finite resource. When insurance becomes a “check-the-box” function due to lack of time, value is lost. KBIC provides the dedicated focus to uncover savings, strengthen coverage, and maintain compliance. We give you back time to focus on your business, profitability, and growth.

Expertise

When insurance expertise is limited, risk often goes unseen — and unseen risk costs money. KBIC bridges that gap by bringing decades of industry experience to your organization and operating as an extension of your leadership team. We apply technical insight and strategic analysis to ensure your insurance program is structured, priced, and managed to perform.

Desire

Effective risk management requires a desire to engage and continuously refine your insurance strategy. While this is a passion for the KBIC team, we realize for many busy executives that insurance is not their passion. We bring the motivation and momentum that turn good insurance programs into great ones. Your team can stay as engaged as you like, but rest assured the KBIC team has you covered.