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We take your coverage personally.

We are passionate about finding the right policy for you, providing individual attention and exceptional client service. We believe our hard work ethic and honest approach will work towards building a long-term insurance and risk management partnership you can rely on for years to come. You are more than just a number or a quota to fill, which is why we give you more than the state minimum coverage policy.

IBA is here to ensure you are in a place where you can face life’s challenges head-on, knowing you’re well protected.

Auto

Independence from life’s twists and turns.

Your car is an extension of your home. It’s more than just a way to get from point A to point B; memories are made, moments unfold. A lot of time is spent behind the wheel, taking your kids to soccer practice, going on family vacations and finding epic adventures at every turn, all with the most precious of cargos.

It’s important to us that we deliver the coverages necessary to protect you and your family should an accident occur. That’s why we take the time to get to know you and understand your needs, and then find the policy that best protects you on the winding road of life.

Home

Independence from fearing the unexpected.

It’s more than just where you live; it’s where memories are made, families are raised and life unfolds. Your home is special, and IBA can provide the protection it deserves. We offer insurance options providing property and liability coverages tailored to the needs of most condominium and homeowners, as well as renters.

Using our four-step process, we work closely with you to determine exactly what sort of coverage you’ll need. We discuss each portion of your policy so that you truly understand your options and get exactly what you need to protect your property, and nothing that you don’t.

Life Insurance & Planning

Independence from an unknown future.

A long, fruitful life requires planning. In addition to guiding you through property and liability insurance, IBA also provides a multitude of term life options and works closely with a number of trustworthy firms to assist you with a variety of planning services. We have no financial relationship with the firms we recommend and make no commissions by referring you to them. We recommend them because we feel that their expertise and service in their industries matches our own.

Some life planning services we commonly refer clients for include:

  • Retirement Planning
  • Education Planning
  • Investment Planning
  • Trusts
  • End of Life Care & Health Directive
  • 401(k)
  • Profit Sharing Planning
  • Medicare Supplements

High Net Worth Personal Lines

The freedom to protect everything.

IBA is deeply experienced in providing high net worth clients the coverage you require to protect the lives you have built. We understand you need more in your policy, because there’s more at stake. That’s why we review your personal portfolio thoroughly on a semi-annual basis to discuss assets, liabilities, valuables and current coverage, and catalog the interior of all your properties and other structures for documentation in the case of loss.

We also work closely with your financial planner, wealth management advisor and lawyers to offer a more comprehensive approach to portfolio protection and send quarterly communications to remind you of any updates in your portfolio or changes to your needs.

We can provide High Net Worth assistance with:

  • Classic & Collector Vehicles
  • Multiple Properties
  • Fine Arts, Wine & Other Catalogued Assets
  • Entertaining & Special Events
  • Domestic Employees & Family Offices

We’re ready to help.

Contact IBA and talk to Heather today.
Heather Wessels
Partner
314.384.2811
person
SZ
Independent Client

IBA gives me the sense/comfort of having my own risk management department as part of our business.

Contact Heather
Let's talk.

Contact us today and claim your independence.