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Empower Your Business Journey
Navigate the world of commercial business insurance with IBC Insurance Agency's tailored plans.

© 2024 IBC Insurance Agency. All Rights Reserved

NOT A DEPOSIT NOT FDIC INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
NOT GUARANTEED BY THE BANK MAY GO DOWN IN VALUE
IBC Insurance Agency, Ltd., a wholly-owned subsidiary of IBC-Laredo

Tailored Business Insurance

IBC Insurance Agency offers comprehensive commercial business insurance plans. Safeguard your assets and ensure peace of mind for every business venture. Our professionals are prepared to discuss protecting your collateral, liability, professional, executive, and employee benefits exposures. Don't leave your business unprotected.

Our Business Insurance Leaders

Dale Randol

President and Chief Executive Officer

Chad Hainley

Vice President - Commercial Sales

Insurance Options

Property Insurance

Property coverage will protect your building, contents, equipment, and other physical assets from a covered loss.

  • Builder's Risk / Installation
  • Monoline Property
  • Excess Coverage

General Liability Insurance

This coverage can provide a legal defense cost for your business as a result of a covered accident.

  • Premises Liability
  • Product Liability
  • Completed Operations

Workers Compensation

Provides coverage to employees who are injured on the job regardless of fault. It also helps protect employers from any legal liability resulting from such accidents.

  • Competitive Pricing
  • Help with safety programs/loss control
  • Quick turnaround time on quotes

Business Auto Insurance

We make sure you're getting the proper protection. Help protect yourself against financial losses from accidents involving vehicles you own or use in your business.

  • Individual vehicles
  • Fleet coverage
  • Specialized delivery

Garage Insurance

Running a specialized automotive business isn't easy, and we understand several challenges. Finding the right insurance coverage should not be one of them. As a specialist in garage operations, we would like to introduce you to a top-of-the-line insurance program specifically designed for Garage Operations like yours.

  • Auto service operations
  • Dealer's open lot
  • Garage liability & garage keepers

Surety Bonds

We understand Surety Bonds. IBC Insurance Agency has experienced people who can provide bonds for contracts & contractors, general license & permits, and miscellaneous bonds for various purposes.

  • Supply bonds
  • Commercial Surety - License & Permit
  • ERISA - Fidelity

Medicare Supplement Insurance

IBC offers products with a wide range of benefits for people 65 years of age or older and some people with disabilities who qualify for Medicare. Even though Medicare provides fairly comprehensive health coverage, it does not cover everything.

Business Credit Insurance

Insurance that helps protect against unexpected bad debt loss due to insolvency or slow pay of customers owing payment to a business for goods or services provided.

Environmental Insurance

Liability, Property, Pollution, and Bonding support for all kinds of environmental risks including contractors.

Individual Life And Health Insurance

Because health insurance plans change from year to year, you should carefully consider each health plan, comparing plan benefits and costs as well as your families changing healthcare needs. If you are self-employed or if your company doesn't offer group policies, you may need to buy individual health insurance. By comparing the monthly costs of multiple plans before you buy, you are sure to find an affordable plan to help protect you and your family. Here are just a few of the life and health carriers IBC Insurance Agency provides coverage through:

  • Aetna
  • John Alden
  • Celtic
  • BlueCross BlueShield
  • UniCare
  • Humana

Group Benefits Insurance

With health insurance becoming more and more expensive we understand it pays to shop around and get multiple quotes from different companies. We realize most employers struggle with the decision whether to keep their group coverage or not due to the rising cost of health care. That's why we are dedicated to providing you a customized quote that will meet your group's needs. We spend a lot of time researching the best plan for you and your employees.

  • Our goal is to always consider your specific situation
  • No cookie-cutter, one-size-fits-all insurance packages
  • We stay on top of changing conditions in the health insurance industry
  • Active member, National Association of Health Underwriters
  • Active member, Texas Health Underwriters Association

Dental Insurance

We offer comprehensive dental plans for both Group and Individual needs. Call us today to discuss your options and get a free quote.

Disability Insurance

Too many people think about insuring their health but don't think about insuring their income. What would happen if you were hurt and could not work? Could your family survive without your income? Disability income pays most of your salary if you are hurt or become ill and are not able to work. Most people live paycheck to paycheck and would be financially devastated if they were not able to bring home a paycheck for a few weeks or a few months.

  • Individual disability coverage
  • Group disability coverage
  • We compare policies and prices for you and your employees

Vision

IBC Insurance Agency provides individual and business vision insurance. We offer comprehensive plans for both personal and business needs. Call us today to discuss your options and get a free quote.

Classes of Business We Insure

Office

Protect your office environment with our comprehensive business insurance services tailored for professionals.

Service

Ensure your service-oriented business thrives with our specialized business insurance categories.

Wholesale

Explore comprehensive insurance plans tailored for wholesalers, ensuring business continuity and growth.

Retail

Safeguard your retail business against unforeseen challenges with our tailored insurance plans.

Construction

Secure your construction projects with our specialized business insurance services.

Manufacturing

Protect your manufacturing unit from potential risks with our comprehensive insurance plans.

Oil & Gas

Find specialized insurance services for the oil and gas industry, ensuring smooth operations.

Trucking

Comprehensive insurance plans for the trucking industry, ensuring safety and compliance.

Restaurants

IBC Insurance provides tailored insurance services for restaurants, ensuring protection against unforeseen challenges.

Professional

Secure your professional services with our comprehensive business insurance plans.

IBC’s Digital Innovations

Digital Banking Ease
Dive into IBC Bank's online business banking services—access anytime, anywhere with our Mobile Banking App.
Card Control Mastery
Manage and monitor your IBC business cards with ease using our IBC Card Control application.
Payments Made Easy
Experience seamless mobile payments with IBC Bank's secure solutions.
Frequently Asked Questions

Business Insurance Insights

How comprehensive is IBC’s business insurance?

IBC Insurance offers a broad-spectrum covering liability, property, employee benefits, and more, ensuring your business’s comprehensive protection.

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How much does business insurance cost at IBC Insurance Agency?

Costs vary based on business size, type, and coverage needs. IBC Insurance provides competitive rates tailored to your needs.

Request Information

What is business liability insurance?

Business liability insurance from IBC Insurance protects against claims resulting from injuries, damages, or negligence related to your business operations.

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How can I get business insurance?

Contact IBC Insurance or visit our website. Our business insurance experts will guide you through the process, ensuring a smooth experience.

Know Your Agents

What insurance does a business need?

Depending on the business type, you may need property, liability, workers’ compensation, and more. IBC Insurance offers a range of options to meet your needs.

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© 2024 IBC Insurance Agency. All Rights Reserved

NOT A DEPOSIT NOT FDIC INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
NOT GUARANTEED BY THE BANK MAY GO DOWN IN VALUE
IBC Insurance Agency, Ltd., a wholly-owned subsidiary of IBC-Laredo