Wilber Group

What Wilber Group does

Wilber Group (legal entity: Wilber & Associates) is a US-based, founder-owned insurance subrogation and claims administration company headquartered in Normal, Illinois. Founded in 1994 by Ken Wilber, the firm specializes in recovering funds paid out by insurance carriers from at-fault parties and adverse insurance carriers, with carrier-to-carrier subrogation representing its dominant revenue stream and accounting for over 50% of total recoveries. The company serves 300+ insurance carriers, including 9 of the Top 10 and 92 of the Top 100 US carriers, and has generated over $750M in carrier-to-carrier recoveries across its 20-year operating history in that segment. The service portfolio also includes uninsured collections, restitution, arbitration, litigation, governmental and municipal claims (with a dedicated short-statute department), and a fleet solutions line for commercial operators.

Wilber's technology stack is anchored by the Ecliptics Collection Suite, which powers three customer-facing portals: a Claim Submission portal for electronic intake, a ClientView portal for dashboards and executive reporting, and WilberPay for consumer-facing payment processing and financial counseling. Internal capabilities include skip-tracing tools for locating parties, electronic ingestion directly from client systems, and SOC1/SOC2/PPMS-certified infrastructure supporting enterprise-grade vendor due diligence. Wilber has been ranked the #1 subrogation vendor by carrier-reported results for three consecutive years and is Great Place to Work certified with a 90% employee satisfaction score.

The business model is transaction-fee based: Wilber is compensated as a percentage of funds recovered, with fee structures varying by claim volume, file age, prior handling, and supporting documentation, and a $200 minimum claim threshold. Go-to-market is direct B2B sales to insurance carrier claims departments, with multi-year enterprise contracts and a hybrid model in which carriers outsource either full BPO subrogation or specific claim segments (e.g., claims under $3,000). Distribution is US-only, and the firm remains privately held under founder Ken Wilber with no disclosed outside capital, M&A activity, or public-market plans.

Name

Wilber Group

Legal name

Wilber & Associates

Website

https://wilbergroup.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

101–250 employees

Short description

Wilber Group is a US-based, founder-owned insurance subrogation and claims administration firm that recovers funds for 300+ insurance carriers — including 9 of the Top 10 and 92 of the Top 100 — through carrier-to-carrier subrogation, uninsured collections, arbitration, litigation, and governmental claims services, delivered via its Ecliptics Collection Suite platform.

Ownership category

akta.pro rank

Product category

Insurance Subrogation and Claims Administration

NAICS

Collection Agencies (561440)

akta.pro primary industry

Claims Advocacy & Loss Recovery Services (FSAEADAH)

akta.pro secondary industries

Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH), Legal Collections & Litigation Support (Judgments, Garnishments) (FSAKAJAD)

Keywords

• Insurance subrogation services
• Claims administration
• Carrier subrogation recovery
• Uninsured collections
• Litigation management

Headquarters

HQ city

Normal

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Subrogation Recovery Services: Wilber recovers funds from at-fault parties or their insurance carriers on behalf of clients. The fee structure varies based on volume, age of files, prior handling, and supporting documentation. Over 50% of recoveries come from adverse insurance carriers, with carrier-to-carrier work generating over $750M over 20 years.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Wilber Group is an insurance subrogation and claims administration firm that recovers funds from at-fault parties or their insurance carriers on behalf of insurance carriers, governmental/municipal agencies, and fleet operators. Core offerings include carrier-to-carrier subrogation, uninsured collections, restitution, arbitration, litigation, governmental/municipal claims handling, fleet solutions, and process consulting, supported by proprietary ClientView and Claim Submission portals.

Product overview

Wilber Group operates a unified subrogation and claims administration platform consisting of three customer-facing portals (Claim Submission Portal, ClientView Portal, and WilberPay) integrated to serve insurance carriers. The core service portfolio includes Carrier to Carrier Subrogation (their dominant recovery source at over 50% of recoveries), Governmental and Municipal Claims, Uninsured Collections, Restitution, Litigation, and Arbitration services. Additional offerings include Consulting Services for process optimization and Fleet Solutions for commercial fleet operators.

Differentiator

Problem solved

Functional benefit

Brands

• Client View: Client portal for insurance carriers to check claim status, view reporting, and manage accounts.

Products and services

• Carrier to Carrier Subrogation Core subrogation service recovering funds from adverse insurance carriers on behalf of insurance carrier clients, including full BPO (Business Process Outsourcing) arrangements where all subrogation claims are sent to Wilber, as well as hybrid models handling specific claim segments (e.g., claims under $3,000). Carrier-to-carrier work accounts for over 50% of Wilber's recoveries and $750M+ over 20 years.
• Governmental and Municipal Claims Dedicated department handling short-statute subrogation files for government and municipal agencies, leveraging a maintained database of filing requirements across thousands of governmental entities to ensure timely submission of claims before statute-of-limitations deadlines.
• Uninsured Collections Direct pursuit of at-fault parties who lack insurance coverage to collect damages previously paid by clients, supported by internal skip tracing capabilities (basic and comprehensive skip traces) and license suspension procedures (over 24,000 licenses suspended worth $92M in claims in the past 10 years).
• Restitution Services Petitioning courts to order restitution payable by the at-fault party to the client when the underlying loss derives from a criminal act with active legal proceedings, returning funds paid by clients through the judicial restitution process.
• Litigation Services Network of attorneys across the United States that file suit and obtain judgments against responsible parties when voluntary resolution fails, with a typical 10-day timeframe to file suit after client permission (expedited to 1 day when needed).
• Arbitration Services In-house arbitration writers file and pursue applicant or respondent arbitration cases through to decision and enforcement, using a forum of appointed panelists to settle disputes as an alternative to litigation.
• Consulting Services Analysis of client work standards and procedures to identify improvements, cut costs, and improve internal relations, helping insurance carrier clients optimize their subrogation operations and processes.
• Fleet Solutions Claims administration and subrogation recovery services tailored for commercial fleet operators, focused on minimizing physical damage claims and maximizing subrogation recovery dollars on fleet vehicle damage.

Quantifiable outcome

• Over $750M recovered in carrier-to-carrier subrogation over 20 years
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• AllianceOne: AllianceOne is a US provider of contact-center, customer care, and third-party debt collection services for enterprise creditors including financial services and insurance. It competes head-to-head with Wilber for outsourced recovery mandates.
• IC System: IC System is an established US third-party collection agency providing debt recovery and BPO services to creditors across financial services, healthcare, and insurance. It competes with Wilber for outsourced recovery work from insurance carriers and shares a similar contingency-fee BPO model.
• GC Services: GC Services operates one of the largest US contact-center and collections platforms, serving financial services, telecom, and insurance clients. It overlaps with Wilber in third-party collections and BPO service delivery to enterprise creditors.
• Convergent: Convergent is a large US-based outsource partner offering accounts-receivable management, customer care, and third-party collection services to enterprise creditors including insurance carriers. It is a direct competitor to Wilber's BPO and recovery operations.
• PRA Group: PRA Group is a publicly traded global financial services firm specializing in the purchase and recovery of defaulted consumer and insurance receivables. Its recovery operations directly overlap with Wilber's carrier-to-carrier subrogation and uninsured collections services.
• ARS National Services: ARS National Services is a US third-party collection agency serving banks, lenders, and insurance clients with contingency-based recovery and skip-tracing capabilities. It is comparable to Wilber in target customer mix and service offering.
• ConServe: ConServe is a US debt collection agency focused on first- and third-party recovery across consumer and commercial debt, including insurance subrogation. Its contingency-fee model and enterprise creditor focus mirror Wilber's go-to-market.

Broad incumbents

• Sedgwick: Sedgwick is a global leader in claims management, loss adjusting, and risk-related services for insurers, employers, and major corporations. It touches Wilber's buyer ecosystem via claims-adjacent BPO and is a comparable large-scale incumbent, though broader in scope than Wilber's subrogation focus.
• Encore Capital Group: Encore Capital Group is a publicly traded global debt purchaser and recovery operator (parent of Midland Funding) with a much broader, multi-strategy portfolio. While not a direct subrogation specialist, it competes for similar insurance and consumer receivables and operates at significantly greater scale than Wilber.
• Crawford & Company: Crawford & Company is one of the world's largest independent claims management and adjustment firms, serving major P&C insurers globally. It overlaps with Wilber in claims-administration and recovery adjacencies but operates as a broad-scope incumbent rather than a subrogation specialist.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/wilbergroup
• Facebookfacebook.com/wilbergroup
• LinkedInlinkedin.com/company/wilbergroup

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wilber Group