Community Bankers Financial Services
Insurance Built Around Community Banking
A More Strategic Approach to Community Bank Insurance
CBFS is an insurance broker dedicated exclusively to community banks. We bring your insurance needs together through one relationship, helping you identify risk and find coverage solutions built around your bank.
Rather than treating insurance as a series of separate policies or annual renewals, CBFS helps you look across your organization and consider how coverage supports your broader approach to risk. You get guidance grounded in community banking, with solutions shaped around how your bank actually operates.
Let's Talk About Your Bank
You don't need to know which coverage or carrier you need. Start with a conversation about your bank, its risks, and where CBFS can help.
One Relationship. A More Complete View of Risk.
Community bank insurance needs can span departments, policies, carriers, and renewal dates. When each need is handled separately, it can be harder to see how those individual decisions fit into your bank's overall risk strategy.
CBFS brings those needs together.
As a broker specializing in community banks, CBFS can look across your organization, understand your exposures, and help identify coverage solutions that fit your bank. You get one relationship with a team that understands both insurance and community banking – and a more strategic way to protect your bank.
What This Means for Your Bank
Simplify the Relationship
Bring your bank's insurance needs together with one team instead of managing disconnected relationships across the organization.
See the Whole Picture
Consider coverage in the context of your bank's broader risks, operations, and priorities.
Find the Right Fit
Consider coverage options based on your bank's needs rather than starting with a predetermined product or one-size-fits-all package.
Community Banking Isn't Just Another Industry We Serve.
Banks face insurance needs, operational risks, and regulatory considerations that generalist agencies may encounter only occasionally. For CBFS, they're the everyday work.
Because CBFS works exclusively with community banks, the team understands the risks you're trying to manage, how insurance can help address them, and the questions worth asking before a gap becomes a problem.
That expertise allows CBFS to take a more customized approach – looking at your bank and its needs rather than simply matching you with a standard insurance package.
Coverage for the Risks Community Banks Face
Your bank's insurance needs don't exist independently of one another. As your broker, CBFS helps you consider coverage across the organization and identify solutions suited to your operations and risk profile.
Property & Casualty
Coverage for your bank's property, operations, liability exposures, vehicles, employees, and other business risks.
Financial Institution Bond
Protection designed around the fidelity and crime exposures unique to financial institutions.
Directors & Officers Liability
Coverage designed to help protect your bank, directors, and officers from management and professional liability exposures.
Cyber Insurance
Protection for evolving cyber, data, privacy, and technology-related risks.
Mortgage Insurance Products
Solutions to help your bank manage risk within its mortgage lending portfolio.
Not sure what your bank needs? You don't have to be. CBFS can help you evaluate your risks and determine where your coverage may need a closer look.
Discuss Your Insurance NeedsYour Bank Changes. Your Risk Does, Too.
New technology. New locations. New products. New people. New threats. Your bank's risk profile doesn't stand still, and your insurance program shouldn't either.
CBFS builds long-term relationships with community banks, helping you identify emerging exposures, evaluate your coverage as needs change, and make informed adjustments along the way.
How CBFS Works With Your Bank
Understand Your Bank
We start with your operations, priorities, existing coverage, and areas of exposure.
Evaluate Your Risks
We look across your insurance needs to identify gaps, overlaps, and opportunities for stronger protection.
Find the Right Solutions
We help identify coverage options suited to your bank and the risks you're managing.
Stay Connected
As your bank evolves, you have an ongoing relationship with people who understand your organization and community banking.
Built to Support Community Banking
Community Bankers Financial Services was established in 1997 and is a wholly owned subsidiary of BankIn Minnesota.
CBFS operates independently as a commercial insurance broker, but the connection to BankIn goes beyond shared roots. Revenue generated by CBFS directly supports BankIn Minnesota's mission-driven work on behalf of community banks.
That means working with CBFS supports more than your bank's insurance needs. It also helps strengthen the advocacy, professional development, connections, and resources BankIn provides to community banks across Minnesota.
Meet Your CBFS Team
People who know community banks – and get to know yours.
CBFS works as a team, bringing different areas of insurance experience to the banks it serves. Just as importantly, we take the time to understand your bank, answer questions, and stay involved as your needs change.
Let's Look at the Bigger Picture.
You don't need to know which policy you need or which carrier to call. Start with a conversation about your bank.
CBFS can help you look across your insurance needs, understand your risks, and find solutions designed around your organization.