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 Jeff Kubik and his father, retired insurance executive Dan Kubik, provided full-scale administration and risk-management services for Blue Cross and other carriers.

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