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About Us

Our Expertise – Your Advantage

Employee Benefit Risk Management Services (EBRM®) Inc., Oak Brook, IL, was founded in 1976 and is licensed in 49 states.  

The company offers no-fee agency service and operates strictly a wholesale business, declining to compete with its own customers for their clients.  

Ever-shifting regulations, emerging products and a language all its own make health insurance the most complex business line handled by many industry producers.  

Many P&C firms rely on EBRM’s health insurance expertise to maintain and protect their existing casualty clients as well as increase their client base.

That’s why we here at EBRM believe a relationship with us as a sophisticated, full-service General Agent is more essential today than ever before.

EBRM gained a leg up on other GAs through first-hand knowledge of what it takes to process claims and manage risk in the individual and small-group health insurance markets.  

A previously-owned company formed by EBRM President This e-mail address is being protected from spam bots, you need JavaScript enabled to view it and his father, retired insurance executive Dan Kubik, provided full-scale administration and risk-management services for Blue Cross and other carriers.  

Today, EBRM is the largest GA for Blue Cross in Illinois and is rapidly expanding its offerings across the Midwest and nationally.  

Currently, we meet the needs of more than 4,000 agents with policies totaling more than $300 million in premium.



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