Customized Insurance Coverage for Community Banks

Carrying the right policies and the right amount of coverage is essential for protecting your community bank. Experience the difference of working with a top-ten, commercial insurance agency underwriting only community banks. We will customize your community bank’s coverage to make sure you’re carrying the right policies and amount of coverage.

Protecting your business’s ability to thrive is the priority of CBFS. You’ll appreciate our commitment to your bank’s success and customer service that is second-to-none. 

Find out more about our Endorsed Provider Travelers


About CBFS:

Formed in 1997 with a vision to match each bank with the best coverage and pricing available in the market, CBFS is an independent insurance agency owned by BankIn Minnesota. We focus on the success of BankIn Minnesota members. Through relationships with major insurance companies, BankIn Minnesota members are provided with a wide variety of valuable insurance resources.

Contact Us:

Kevin E. Christians

Executive Vice President
(612) 720-3199
[email protected]

Curt Smallbrock 

Vice President
(320) 249-9338
[email protected]

RJ Wright

Senior Account Manager
(651) 789-3986
[email protected]


CBFS provides your financial institution with options for property & casualty insurance:

  • Property Coverage:
    • Buildings
    • Business Personal Property
    • Electronic Data Processing Equipment
    • Equipment Breakdown
    • Signs
    • ATMs
    • Valuable Papers
    • Extra Expense Business Income
  • General Liability Coverage:
    • On-Premise Liability
    • Personal & Advertising Injury
    • Employee Benefits Liability
    • Medical Expense
  • Business Auto Coverage:
    • Physical damage coverage for owned vehicles
    • Liability for owned, non-owned, hired and repossessed autos
  • Umbrella Liability Coverage: Provides excess liability coverage that will go over and above you General Liability, including Business Auto Liability and Work Comp coverage.
  • Workers Compensation: Provides statutory work comp benefits by State and classification code. Safety Group Dividend Plan option available. 

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