Business Details
50+ Years
experience
Your Trusted Insurance Partner in Media, PA
Founded in 1970 by a cost accountant, ECBM Insurance Brokers and Consultants has dedicated over five decades to minimizing client risks while maximizing savings through personalized insurance solutions. As a family-owned, independent agency, we prioritize transparency and client advocacy, operating without shareholders to ensure unbiased consulting. Our team of seasoned professionals specializes in commercial lines, employee benefits, workers' compensation, and cyber liability, serving clients across the Mid-Atlantic region. With a client-focused approach, we tailor insurance programs to align with corporate culture, financial goals, and risk appetites.Our expertise extends to high-risk industries, offering strategic risk management and innovative coverage solutions. Recognized as a Top 100 Independent Agency, we combine industry experience with a commitment to continuous growth and partnership. Our core values emphasize empathy, accountability, and proactive problem-solving, ensuring clients receive tailored guidance and dedicated support. We measure success by our clients' satisfaction and long-term prosperity, maintaining a reputation for integrity and excellence in insurance brokerage.
Services
Commercial Lines
Employee Benefits
Workers' Compensation
Cyber Liability
Personal Lines
Farm Insurance
Cost Leakage Consulting
Professional Liability
Marine Insurance
Senior Living Insurance
Details
- Year established: 1970
Highlights and features
- We offer 50+ years of experience in customized insurance solutions.
- Our family-owned agency prioritizes client needs over shareholders.
- Dedicated claims team with 10% staff allocation for prompt support.
- Specialize in high-risk industries with tailored risk management strategies.
- Independent consulting focused on cost reduction and financial transparency.
Services
Commercial Lines
We provide tailored commercial insurance programs addressing property, liability, and operational risks for businesses across diverse industries. Our solutions focus on risk mitigation, cost efficiency, and comprehensive coverage alignment with client objectives. With expertise in high-risk sectors, we deliver strategic consulting to protect assets and ensure business continuity.
Employee Benefits
Our employee benefits team designs cost-effective health insurance programs, including fully insured, self-funded, and medical captive solutions. We prioritize quality coverage while reducing employer costs through customized plans and partnerships with leading providers. Our approach aligns benefits strategy with organizational financial goals.
Workers' Compensation
We offer comprehensive workers' compensation solutions focused on claims management, cost containment, and return-to-work programs. Our dedicated specialists negotiate medical bills, implement loss prevention tools, and provide legal support to minimize financial impact while ensuring employee well-being and regulatory compliance.
Cyber Liability
Our cyber liability insurance addresses data breach risks and digital threats through customized coverage and proactive risk assessments. We help businesses implement breach response plans, secure sensitive information, and mitigate financial losses from cyber incidents, ensuring compliance with evolving regulatory standards.
Personal Lines
We provide personalized insurance for individuals, including home, auto, umbrella, and specialty coverage. Our private client group offers risk management solutions for high-net-worth individuals, ensuring protection of valuable assets through partnerships with top-rated insurers and tailored policy structures.
People
Charles H. Bernier
Chief Executive Officer
Charlie Bernier has led ECBM since 2001, growing it into a Top 100 Independent Agency. With a CPCU and ARM designation, he focuses on strategic growth and client advocacy, leveraging 38 years of industry experience.
Charles E. Bernier
President & Corporate Counsel
Charlie Bernier serves as Corporate Counsel and professional liability consultant. A former insurance defense attorney, he specializes in risk management and transactions, bringing legal expertise to ECBM's consulting services since 2013.
Matt Bernier
Chief Operating Officer
Matt Bernier joined ECBM in 2019, bringing prior underwriting experience from Marsh and AIG. He oversees operations with a focus on strategic consulting, combining industry knowledge and client-centric solutions to drive organizational efficiency.
Questions
What types of insurance does ECBM offer?
ECBM provides commercial lines, employee benefits, workers' compensation, cyber liability, personal lines, and specialized coverage for industries like healthcare, manufacturing, and senior living.
How does ECBM reduce insurance costs for clients?
We analyze existing policies, negotiate with carriers, and implement risk management strategies to eliminate unnecessary fees while maintaining comprehensive coverage tailored to client needs.
Do you serve businesses outside Pennsylvania?
While based in Pennsylvania, we serve clients across the Mid-Atlantic region and provide nationwide consulting for specialized insurance programs and risk management solutions.
What makes ECBM different from other brokers?
As a family-owned agency without shareholders, we prioritize client interests, offering personalized service, industry-specific expertise, and a commitment to transparency and long-term partnerships.
How does ECBM handle workers' compensation claims?
Our dedicated claims team manages cases from start to finish, focusing on cost containment through medical bill negotiation, return-to-work programs, and proactive loss prevention strategies.
Can ECBM assist with cyber insurance for small businesses?
Yes, we provide scalable cyber liability solutions for businesses of all sizes, including breach response planning, data protection, and coverage for legal and financial risks associated with cyber incidents.
