About Us

History
Founded in 1970 by a cost accountant, ECBM’s goal has always been to reduce consumer costs by minimizing the risks while maximizing the savings. Our client-focused approach has allowed our independent firm to grow significantly over the past 50 years through finding individualized solutions for your insurance needs.
Meet the Team
A Family Company Through and Through
CHIEF EXECUTIVE OFFICERCharles H. Bernier

Charlie H. Bernier has worked with ECBM since 1984, and purchased the company in 2001. He’s proud to be a part of ECBM’s growth to the Top 100 Independent Agencies and Top 25 Family-Owned P&C Brokers in the country.
Charlie graduated from Philadelphia University with a Bachelor of Science in Business Administration and has earned designations in both the Chartered Property & Casualty Underwriting (CPCU) and Associate in Risk Management (ARM).
For over 15 years, he has served on the board of directors for both the State and Delaware Valley Chapter of the Pennsylvania Motor Truck Association (PMTA) is a Board Member of the Advancement Council of Philadelphia.
PRESIDENT &
CORPORATE COUNSELCharles E. Bernier

Charlie E. Bernier is President and Corporate Counsel at ECBM. He received his Bachelor’s Degree from Pennsylvania State University and attended Widener University School of Law where he earned his J.D. He is barred in the State of Pennsylvania and the United States District Court for the Eastern District of Pennsylvania.
Charlie began his law career practicing insurance defense at one of the oldest law firms in the country before setting his sights on insurance. He joined ECBM in 2013 to create and run the company’s investments and transactions division.
As ECBM’s principal professional liability consultant, Charlie specializes in becoming an extension of your company. He acts as a risk manager to mitigate potential losses from data breaches, as well as to transfer risk from your company to the carrier. Using his experience as both an attorney and professional liability wholesaler, Charlie works with you to understand your company’s cyber risks.
CHIEF OPERATING OFFICER Matt Bernier

Matt Bernier joined ECBM in 2019. Prior to ECBM, Matt served as an AVP within Marsh's NYC Middle Market Account Management Office. During his time at Marsh, he specifically focused on large risk real estate accounts, gaining extensive experience in this complex vertical. He also held the position of Senior Underwriter at AIG's NYC Executive Liability Team. At ECBM, he continues to focus on handling large real estate accounts, demonstrating deep expertise in managing the unique insurance needs and intricate risk profiles of this sector.
Matt graduated from Pennsylvania State University with a major in Psychology, with a specific focus on Industrial Organizational Practice and research methods to the workplace. His expertise includes employee motivation and engagement, organizational design and development, talent acquisition and retention strategies, leadership development, performance management, and workplace culture and communication. Matt’s blend of practical insurance experience with an understanding of organizational behavior helps him manage operations, optimize processes, and contribute to the "people-first" culture that ECBM emphasizes.

- We UNBUNDLE INSURANCE SERVICES And Expenses
- WE MINImize Your Risk And Maximize Your Savings
- We Measure Our Success by Your Success
WE ARE AN INDEPENDENT INSURANCE BROKERAGE
ECBM has been privately owned since its founding over 50 years ago. As the world changes our name and identity have stayed the same. Our motto with clients and partners has always been the same: “No Shareholders. Just Transparency.” We work for you and your company like it's our own.
WE ARE ENTREPRENEUR-MINDED INSURANCE PROFESSIONALS
ECBM was founded by a cost accountant with the purpose of providing the best coverage to our clients while reducing costs through risk management and strategic innovation.
WE ARE GROWING
Our client-focused approach has caused the firm to grow significantly. Although the company has been around for 50 years, we are looking for partners to continue to shape the future of independent insurance services.
CORE VALUES
Empathy
Loyalty
Accountability
Tenacity
Energy

Looking for an insurance job you love?
We’ve been voted to Business Insurance's Best Places To Work since 2016.
Bottom line
Our promise is simple: We’re here to serve you and your company’s needs. At ECBM, we strive to create new insurance solutions and raise the industry standard to deliver consistent, top-tier insurance services to our clients of every size.
ECBM is an Independent Insurance Broker and Consultant Company located in the Philadelphia area. We specialize in high-risk industries that require dedicated, client-based insurance broker services. We are proud to continue to serve the Mid-Atlantic region for over 50 years.
