CBI
CBI (Commercial Business Insurance Agency) is a family-owned, independent insurance brokerage in California with offices in Antioch and Groveland. It specializes in contractors insurance and offers personal and commercial lines, earning commissions by brokering policies from roughly 30 carrier partners.
- Company typePrivate
- Founded2011
- HeadquartersAntioch, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What CBI does
CBI (Commercial Business Insurance Agency) is a privately held, independent insurance brokerage incorporated in California in 2011 (with firmographic records referencing an earlier 1979 founding) and operating from two physical offices in Antioch and Groveland. The firm is family-owned, with Stan Wristen as President, Tina Wristen as COO/Broker, and Tami Lister as CFO/Broker, supported by a staff of approximately 7 employees. The agency is licensed under California License #OF50039 and operates without any disclosed institutional investors, private equity backing, or parent holding company.
CBI specializes in contractors insurance — including general contractors, artisan contractors, and specialty trades such as electrical, plumbing, HVAC, and roofing — while also offering a broad portfolio of personal lines (auto, homeowner, life, renters, condo, umbrella, boat, classic car, earthquake, flood) and commercial lines (commercial auto, liability, property, umbrella, workers compensation, bonds). The agency has no proprietary technology; its core offering is broker-led access to roughly 30 carrier partners spanning national players (Chubb, Travelers, The Hartford, Progressive, Liberty Mutual, MetLife, Zurich) and regional/specialty carriers, enabling multi-carrier quoting rather than captive single-carrier distribution.
CBI earns revenue through commissions on policies placed and renewed with its carrier partners, a recurring-revenue model tied to the long-tail of small premium policies. Distribution is sales-led and omnichannel in a low-tech way: in-person consultations at the Antioch and Groveland offices, phone-based sales and service, online quote request forms, and a content-marketing blog. The customer base is highly fragmented across California, with primary segments being general contractors and artisan contractors, supplemented by individual personal-insurance buyers and small commercial accounts. There are no disclosed revenue figures, no funding events, and no M&A activity.
CBI firmographics
Firmographics- Name
- CBI
- Legal name
- CBI Insurance Agency, Inc.
- Website
- https://cbi-agency.net
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- CBI (Commercial Business Insurance Agency) is a family-owned, independent insurance brokerage in California with offices in Antioch and Groveland. It specializes in contractors insurance and offers personal and commercial lines, earning commissions by brokering policies from roughly 30 carrier partners.
- Ownership category
- akta.pro rank
CBI industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Commercial Lines Insurance Brokerage (FSAEADAB)
- akta.pro secondary industries
- Small Business BOP (Main Street) (FSAJAFAA), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)
Keywords
Where CBI is headquartered
LocationHeadquarters
- HQ city
- Antioch
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
CBI business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commissions: As an independent insurance agency, CBI earns commissions from insurance companies for policies placed. They represent multiple quality insurance carriers and provide coverage options to customers, earning commissions on each policy sold or renewed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based pricing tailored to individual customer risk profiles |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels2 records
CBI product offering
Product offeringCore offering
CBI (Commercial Business Insurance Agency) is an independent insurance brokerage that sells and services contractors, personal, and commercial insurance policies on behalf of multiple insurance carriers. The agency operates two physical offices in Antioch and Groveland, California, and serves customers across California with customizable policies sourced from a broad carrier network.
Product overview
Commercial Business Insurance Agency (CBI) is an independent insurance agency offering a comprehensive portfolio of insurance products. The agency specializes in contractors insurance (including general contractors, artisan contractors, and specialty trades like electrical, plumbing, and roofing), personal insurance (auto, homeowner, life, renters, condo, umbrella), and commercial business insurance (commercial auto, liability, property, umbrella, workers comp). CBI operates as a full-service independent agency working with multiple insurance carriers to provide customizable coverage options across all of California, servicing both business and personal insurance needs.
Differentiator
Problem solved
Functional benefit
Products and services
- Contractors Insurance
Companies that use CBI
Customer profileSegments4 records
Ideal customer profiles3 records
CBI technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
CBI partnerships and signals
Strategic signalPartnerships
37 partnerships are on record, tiered core and minor.
- AlliedcoreInsurance company represented by CBI. Claims: 800-282-9445. One of multiple carriers CBI works with to provide coverage options for customers.
- Capital Insurance GroupcoreInsurance company represented by CBI. Claims: 800-986-9974. Major carrier partner providing various insurance products.
- ChubbcoreMajor insurance company represented by CBI. Claims: 800-252-4670. Part of CBI's network of commercial and personal insurance carriers.
- The HartfordcoreNational insurance carrier represented by CBI. Claims: 800-243-5860. Provides commercial and personal insurance products through CBI.
- TravelerscoreMajor insurance company represented by CBI. Claims: 800-252-4633. One of the many carriers CBI partners with.
- ProgressivecoreInsurance company represented by CBI. Claims: 800-274-4499. Auto and commercial insurance carrier partner.
- Liberty MutualcoreNational insurance carrier represented by CBI. Part of their network for providing various coverage options.
- MetLifecoreMajor insurance company represented by CBI. Claims: 800-638-5433. Life and other insurance products provider.
- Zurich InsurancecoreGlobal insurance carrier represented by CBI. Claims: 800-987-3373. Commercial and specialty insurance partner.
- CSE Insurance GroupcoreRegional insurance company represented by CBI. Claims: 800-282-6848. Provides various insurance products.
- Commerce WestminorInsurance company represented by CBI. Claims: 866-351-2548. Regional carrier partner.
- Encompass InsuranceminorInsurance company represented by CBI. Claims: 800-588-7400. Part of their carrier network.
- Foremost InsuranceminorInsurance company represented by CBI. Claims: 800-527-3907. Specialty insurance carrier.
- Hanover Insurance GroupminorInsurance company represented by CBI. Claims: 800-628-0250. Commercial insurance partner.
- Insurance Company of the WestminorRegional insurance carrier. Claims: 877-442-9669. California-based insurance provider partner.
- Kemper InsuranceminorInsurance company represented by CBI. Claims: 888-252-2799. Specialty insurance carrier.
- Markel InsuranceminorInsurance company represented by CBI. Claims: 800-362-7535. Specialty insurance provider.
- Builder & Tradesmen's Insurance ServicesminorSpecialty insurance services for builders and tradesmen. Claims: 877-649-6682. Niche carrier for contractor insurance.
- CBICminorInsurance company represented by CBI. Part of their carrier network.
- Deans & HomerminorInsurance company represented by CBI. Part of their carrier network.
- Fireman's FundminorInsurance company represented by CBI. Claims: 888-347-3428. Commercial insurance partner.
- First American SpecialtyminorInsurance company represented by CBI. Claims: 888-474-7500. Specialty insurance carrier.
- FirstComp InsuranceminorWorkers compensation insurance company. Claims: 888-500-3344.
- GMACminorInsurance company represented by CBI. Claims: 800-325-1088.
- Great American Human SpecialtyminorHuman services insurance specialty. Claims: 888-317-4828.
- Midwest InsuranceminorInsurance company represented by CBI. Claims: 866-642-2567.
- Oregon MutualminorRegional insurance company. Claims: 800-934-3809.
- Philadelphia InsuranceminorInsurance company represented by CBI. Claims: 800-765-9749.
- Preferred EmployersminorWorkers compensation insurance. Claims: 888-472-9001.
- Republic IndemnityminorWorkers compensation insurance company represented by CBI.
- Unitrin SpecialtyminorSpecialty insurance carrier. Claims: 800-234-3606.
- Zenith (First Call)minorWorkers compensation insurance. Claims: 800-440-5020.
- Peerless InsuranceminorInsurance company represented by CBI. Claims: 800-522-7152.
- HCC Surety Insurance CompanyminorSurety insurance company for bonds.
- AmCom Insurance ServicesminorInsurance services provider.
- J.E. BrownminorInsurance company represented by CBI.
- KRM Risk Management & Insurance ServicesminorRisk management and insurance services agent. Website: www.krmrisk.com. Claims: 925-477-2136.
Scale indicators1 record
Recent moves1 record
Expansion highlights4 records
CBI competitors and assessment
Company assessmentDirect peers
- Wallace Welch & Willingham: California-focused independent insurance agency offering personal, commercial, and specialty contractor coverage. Direct comparable in size, regional footprint, and independent-agency model.
- Costanza Insurance Agency: California-based independent insurance agency offering personal and commercial lines including contractor coverage. Closely comparable small independent agency serving California SMBs and individuals.
- Heffernan Insurance Brokers: Large California-based independent insurance brokerage serving commercial, personal, and employee benefits lines. Highly comparable to CBI as a Northern California independent agency with multi-carrier access; differs only in scale and breadth.
- BGES Group (Business Insurance & Risk Management): Independent insurance agency specializing in contractor and construction-related insurance. Direct comparable in contractor-vertical specialization and independent agency structure.
Broad incumbents
- Burns & Wilcox: Large specialty insurance brokerage and underwriting manager with extensive carrier relationships. Broader incumbent operating in the same independent distribution space with significantly larger scale.
- RPS (Risk Placement Services): National specialty insurance wholesale broker and managing general agency. Comparable in carrier-network and contractor/specialty commercial expertise; operates as a wholesale partner rather than direct retailer.
- Insurance Office of America: National independent insurance brokerage offering commercial, personal, and benefits products. Comparable independent-agency model and multi-carrier approach; serves as a larger-scale analog.
Emerging players
- Next Insurance: Digital-first Insurtech offering small business and contractor insurance with instant online binding. Not a traditional peer, but represents the disruptive model targeting CBI's core contractor segment.
Others
- International Risk Management Institute (IRMI): Industry research and reference organization for the construction and contractor insurance market. Adjacent ecosystem player that shapes the contractor-insurance knowledge environment CBI operates in.
Regional players
- Masiello Group Insurance: Independent insurance agency group based in New England with multi-state offices. Comparable independent agency model and personal/commercial line mix; differs geographically and in size.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
CBI social profiles
Digital presenceCBI financial estimates
Financial estimateRevenue estimate
Valuation estimate
CBI leadership team
Management profileNumber of profiles
Profiles7 records
CBI funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CBI M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CBI
What does CBI do?
CBI (Commercial Business Insurance Agency) is an independent insurance brokerage that sells and services contractors, personal, and commercial insurance policies on behalf of multiple insurance carriers. The agency operates two physical offices in Antioch and Groveland, California, and serves customers across California with customizable policies sourced from a broad carrier network.
Is CBI a public or private company?
CBI is a private company. It is classified as family owned and is currently operating.
When was CBI founded?
CBI was founded in 2011. It employs 1 to 10 people.
Where is CBI based?
CBI is headquartered in Antioch, United States, in the North America region.
How does CBI make money?
One revenue line is on record: insurance Commissions.
Who are CBI's main competitors?
Direct peers on record are Wallace Welch & Willingham, Costanza Insurance Agency, Heffernan Insurance Brokers and BGES Group (Business Insurance & Risk Management). Broad incumbents are Burns & Wilcox, RPS (Risk Placement Services) and Insurance Office of America. Next Insurance is listed as an emerging player. International Risk Management Institute (IRMI) is listed as an others. Masiello Group Insurance is listed as a regional player.
Does CBI have an API?
No public API is recorded for CBI.
What industry is CBI in?
CBI's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAEADAB, Commercial Lines Insurance Brokerage, with a secondary code of FSAJAFAA, Small Business BOP (Main Street). Its NAICS code is 524210 and its SIC code is 6411.