Employee Benefit Risk Management Services (EBRM®) Inc., Oak Brook, IL, was founded in 1976 and is licensed in 49 states. The company offers no-fee agency service and operates strictly a wholesale business, declining to compete with its own customers for their clients. Many P&C firms rely on EBRM’s health insurance expertise to maintain and protect their existing casualty clients as well as increase their client base. EBRM is the largest GA for Blue Cross in Illinois and is rapidly expanding its offerings across the Midwest and nationally.