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IBO Insurance Benefits

Marsh USA
USI Affinity

Commercial General Liability and Business Property Insurance Marsh USA Property and Casualty Insurance

Marsh USA Inc. is the insurance broker for Independent Business Owners (IBOs) for commercial general liability and business property insurance for all participating members of the Independent Business Owners Benefits Association (IBOBA).
See full brochure.

General liability insurance protects IBOs against occurrences of bodily injury and property damage during the conduct of their Independent Business. The IBOBA insurance program provides IBO policyholders the ability to quickly obtain certificates of insurance showing coverage, as needed for any event or meeting.

Business property insurance protects IBOs against losses resulting from physical damage to personal property from any external cause, except as excluded. The personal property must be used primarily in the conduct of the IBO business. Even when operating an Independent Business from home, the business personal property may be uninsured without a commercial policy.

Only applies to operations directly related to IBO business as described in IBO Plan for North America

  • Business Property Insurance Coverage - $50,000 maximum limit ($250 deductible)
  • Contingent Business Interruption Coverage - $50,000 maximum limit ($5,000 deductible)
  • Business Liability Coverage - $1,000,000 per occurrence, $2,000,000 aggregate (no deductible)
  • Coverages subject to additional coverage limits, sub-limits, restrictions, conditions, exclusions as more fully described in annual IBOBA Insurance Program brochure (and actual policies)

Contact Information:
Certificates of Insurance requests, claims services, or other questions should be directed to
Marsh USA Inc.,
One Towne Square
Suite 1100
Southfield, MI 48076 or

Personal Life, Health, and Medical Insurance USI Affinity Insurance Services

USI Affinity Insurance Services offers IBOs exclusive plans and products from the most recognizable, top-rated national partners in the industry. The program offers a full suite of personal and small business insurance products from which IBOs may select either one policy to round out current insurance benefits or take advantage of a complete benefits package that covers you and your family's health, life, and future.

The IBO Insurance Benefits program offers special group rates on most plans including term life plans, disability income protection, dental insurance, vision insurance, retiree Medicare supplement and prescription plan, auto and home insurance as well as a no-cost discount pharmacy card. IBOs also have access to a large variety of major medical plans.

Contact Information:
USI Affinity
14 Cliffwood Ave.
Suite 310
Matawan, NJ 07747
or call 800-254-2327
or e-mail: L&

USI Affinity Insurance for IBOs in the United States or Canada