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We are dedicated to serving the unique needs of small businesses and small business owners.

Whether you’ve been in business for years, or are just getting started, we’re with you every step of the way, making sure your policy is exactly what your business needs.

We provide business insurance for a wide range of industries including software and technology, manufacturing, medical offices, restaurants, apartment owners, and more.

Professional Liability
& Cyber Liability

The freedom to know you’re protected.

In order for your business to grow and flourish, it has to be protected. Our professional and cyber liability policies protect you and your business from a variety of modern-day threats. We work closely with you to uncover potential risks and prevent unexpected issues.

Our professional liability services protect your assets, so in the case of an error, your business can continue to thrive, even in the face of adversity. IBA also helps pinpoint where your business can be susceptible to cyber attacks, the processes you can put into place to help prevent them, and the insurance to help you recover financially.

Our Professional Liability services cover:

  • Negligence
  • Misrepresentations
  • Inaccurate Advice
  • Alleged Errors & Omissions by You or Your Company While in the Process of Service

Our Cyber Liability services cover:

  • Data Cleaning & Restoration
  • Breach Notification Costs
  • Regulatory Fines
  • Cyber Extortion or Ransom
  • Public Relations Expenses

Manufacturing

The freedom to focus on your operations.

Manufacturers have a lot of moving parts to contend with and a variety of challenges to focus on. Worrying about getting the right coverage shouldn’t be one of them. We can provide you with the essential coverage needed for property and stock, general and product liability, as well as cyber liability and professional liability to better protect your business and all of its assets.

Insuring manufacturers is one of our specialties. Our broad range of experience working in the manufacturing sector allows us to speak the language and understand the opportunities, challenges and risks your industry faces, with the competitive markets to meet those needs head-on.

Additional coverage we provide includes:

  • Excess Liability
  • Workers’ Compensation
  • Auto/Fleet
  • Inland Marine — Property in Transit
  • Employment Practices Liability

Restaurants & Retail

The freedom to receive service as good as yours.

When service is at the core of your business, your insurance needs can be complicated. You need trusted guidance from people who provide the same level of service as you. IBA has you covered. From property and liability to group benefits, workers’ compensation, and employment practices we have retail and restaurant programs that can be tailored to meet your specific needs.

IBA can provide the services needed to protect your customers, employees and business by providing coverages for property and general liability, as well as expenses resulting from cyber attacks and employment practices. 

We also provide coverage for:

  • Excess Liability
  • Employment Practices Liability
  • Employee Theft and Dishonesty
  • Workers’ Compensation
  • Equipment Breakdown

Hospitality, Hotel
& Hotel Management

The freedom to know you’re covered.

You want your guests and staff to feel safe when they stay at your establishment. That means finding and managing potential risks and having the proper coverage to suit your exact needs. You can sleep easy knowing that IBA can handle every aspect of your policy requirements with personal attention and a deep experience with your industry.

Whether it’s finding the right coverage for the building and property or help with human resources, workers’ compensation and best practices, we provide industry leading solutions and services for your industry. We’ll help you set up the exact coverage you’ll need to take care of your guests, staff and business.

Our coverage includes:

  • Property
  • General Liability (including assault & battery)
  • Employment Practices
  • Workers’ Compensation

Real Estate & Rental

The freedom to invest and build.

Your properties are an investment worth protecting. IBA’s four-step process will help you set up the right coverage, and put the proper protection in place. Whether you need a personalized financed payment plan developed to suit your specific needs, or Insurance Certificate Monitoring (ICM) to verify compliance with insurance requirements of leases, IBA has you covered.

We can provide comprehensive and competitive insurance packages tailored for commercial real estate owners. We also provide risk transfer techniques to help mitigate losses.

Additional enhanced coverage includes:

  • Replacement Cost Coverage with No Coinsurance Requirement
  • Rental Income with an Extended Period of Indemnity
  • Hired and Non-Owned Auto Liability
  • Equipment Breakdown
  • Earthquake
  • Umbrella
  • Workers’ Compensation
  • Professional Liability

Bonds

The freedom to keep moving forward.

Your business deserves the best protection possible. Depending on your industry, bonds can often be necessary and even required. IBA is experienced in helping clients in a variety of industries get the correct bonds to safeguard their businesses.

Whether you need a single-contract bond or a full bonding program, IBA is committed to providing the highest level of professional service your business deserves. We provide bonding from a prominent and financially sound group of companies to deliver to you the very best options available.

We provide bonds for numerous businesses, professionals and industries, including:

  • Attorneys
  • Banks
  • Contractors/Tradesmen
  • Public/School Officials
  • Retail Businesses
  • Service Industry

Group & Health Benefits

The freedom to take care of your people.

You want your employees to be happy and healthy, and so do we. Group health plans serve as a great advantage to attracting and retaining talented professionals, as well as maintaining a thriving workplace.

IBA works closely with small and large groups alike, using our four-step process to plan your benefit structure and subsequent compliance, as well as onboarding and claims needs throughout the year. We partner with all major group medical insurance providers and the best-in-class ancillary benefit providers to give you access to the most effective policies to fit the specific needs and budget of your business.

Our Group & Health Benefits cover:

  • Medical
  • Dental
  • Vision
  • Short-Term Disability
  • Long-Term Disability
  • GAP plans
  • Voluntary Life
  • Critical Illness

We’re ready to help.

Contact IBA and talk to Mike today.
Mike Swatske
Executive Risk Manager
314.384.2877
person
Angela Zeng, PhD, MBA
Owner of Karuna Beverages

Michael Swatske is not your normal insurance agent, he takes insurance service far beyond what any firm can imagine. Michael is extremely knowledgeable in his field. You can trust him to deal with difficult cases that other insurance agents would shy away from. More impressive, Michael’s insights in the food & beverage industry not only helped me to get Karuna Beverages off the ground but also greatly assisted our expansion. Michael is also well connected and is always happy to make the introduction.

Contact Mike
Let's talk.

Contact us today and claim your independence.