Our Services


Personal Lines

As an independent insurance agency, personal lines is an important part of the products

and services we provide to our clients. We have the privilege of servicing over 12,000 personal lines policyholders. Our agency’s goal is to develop long-term relationships with all of these clients, providing the safety & security that is required to protect their personal possessions and the income flows of their families. The insurance carriers we represent are among the best and share our desire & commitment in servicing your financial needs. These carriers all have A (excellent) ratings by A.M. Best, a sign of financial strength and the ability to pay claims. Our clients can be assured that the carriers we represent are fiscally responsible and highly responsive to the needs of our clients in any claim situation.  Go to the page

Life & Health Insurance

At Body-Borneman, we know that our clients have more than automobiles and homes

to protect. That’s why we organized our life and benefits department back in 1962. For over 35 years, we’ve been helping customers to protect their health, incomes and savings from the risk of financial loss, including: We pride ourselves in the abundance of products and services we have available to meet your insurance needs. We are staffed with professional agents at all 3 of our locations, who can assist you with any insurance need you have .  Go to the page

Commercial Lines

Body-Borneman specializes in Commercial insurance, with over 2,000 clients

Regardless of whether your business is manufacturing, wholesaling, contracting, retailing or service, we can find and tailor a program to match your needs, whether through traditional insurance products – or more creative, self-insurance captive programs As an independent agency, Body-Borneman represents a large assortment of today’s most competitive carriers for many industries. Having ready access to these markets makes us uniquely qualified to tailor to your specifications a package of protection.  Go to the page
Companies We Represent

Risk Management

Risk Management

What is Our Primary Goal?

At Body-Borneman, one of our major objectives as an organization is to help you, whether you are a business or an individual customer, to meet your risk management objectives. In its simplest terms, we want to help you protect your assets and income flows at the lowest possible cost to your business and/or your family. Our agents and risk managers work hand-in-hand with our accounts to achieve this goal. We accomplish this goal through the risk management process.

What is the Risk Management Process?

Risk management in a business is the process of planning, organizing, leading, and controlling the activities of that organization in order to minimize the effects of risk on their capital and earnings. It is the art and science of controlling risk to a degree that is proportionate with the value of the assets being protected. One of the major benefits of effective risk management is the lowing of the business’s insurance costs in both the short- and long-term. Short-term savings come from premium credits; most businesses get more attractive premiums if they implement loss control programs. Long-term savings come from lower loss experience. The following is a list of activities that must be involved in a successful risk management process:


  • Understand organization and its risks
  • Decide how to finance risk
  • Develop policy on risk
  • Insurance, captive, other
  • Identify risks
  • What to insure
  • Establish risk retention level
  • What limit
  • Establish contractual liability posture
  • Evaluate potential mergers

Loss Control

  • Environmental costs
  • Employee and public safety
  • Fixed asset protection
  • Liability and litigation control
  • Security and crime control

Claims Management

  • See that claims are reported
  • Subrogate
  • Negotiate claims with insurers
  • Maintain claims database


  • Maintain property valuations
  • Prepare budgets and forecasts
  • Allocate risk costs
  • Report to management
  • Monitor certificates of insurance
  • Report loss exposures to insurers
  • Check insurance policies


We have included a description of some of the services our agency can offer to our clients through our Risk Management and Claims staff on the following pages:


  • Risk Management Loss Prevention
  • Risk Management Claims Administration
  • Risk Management Articles