Founded in 2010, KBIC Consulting was created to transform how business leaders receive insurance advice. After years in the industry, Andy Kaelin with the help of Rob Brogan saw the limitations of the traditional broker–client relationship. While challenges exist on both sides, a significant deficiency often lies with the client—not from a lack of intelligence, but because most business leaders simply lack the time, expertise, or desire to maximize their role in the partnership.

Although broker compensation structures can create challenges, it is ultimately the client’s inability to collaborate with and oversee service providers as peers that drives inefficiency in corporate insurance programs.

KBIC was founded to close this gap as a fully independent, fee-only fiduciary and dedicated to delivering objective, client-focused advice. Along with some nonprofits, KBIC serves the manufacturing, construction, real estate, and distribution sectors.

Because KBIC does not sell insurance products or ancillary services, we do not replace your broker. Instead, we enhance your ability to collaborate effectively with the insurance industry to achieve outcomes that have long been absent. Acting as your fractional Vice President of Internal Insurance Operations, our team—now serving more than 70 organizations—provides transparent oversight and strategic expertise to optimize coverage, reduce costs, and streamline processes.