IN THREE DECADES, TOBIAS INSURANCE GROUP, INC. has grown to become one of the largest Commercial/Industrial Insurance Brokers in the Midwest. Founded by Nick Rutigliano in 1973, Tobias has become a fully integrated insurance broker. "Great clients and the Midwest's thriving business community have made our first 30 years pass in seemingly no time at all." says Rutigliano.

Tobias has a highly skilled staff of insurance professionals who continue to build a larger, more diverse clientele. As displayed in its operating principle, Tobias has been executing the skills of listening, learning and creating.

These principles are the foundation on which Tobias was established. This foundation, which Rutigliano continues to adhere to today, includes client advocacy: analysis, options, and advice; and client choice.

Client advocacy dictates that Tobias apply its knowledge, experience, and market leverage in representing its clients during negotiations of program terms, premiums, and claim settlements.

Analysis, options, and advice are the innovation and engineering tools Tobias brings to each situation. Client choice reminds everyone at Tobias that they need to exceed the client's expectations. Accomplishing this mission earns the company the opportunity to be of service again.

Tobias helps clients daily to make a difference in the quality of life in the Midwest and across the country. When its insurance specialists collaborate and help their clients make a bid on a large public works construction project or develop an insurance program to start an environmental cleanup, Tobias is making a difference.

Beyond the Property and Casualty Insurance arena, Tobias has developed major divisions in Employee Benefits, Surety and Risk Management consulting. The company examines each critical situation and responds with multiple options. This has helped it to become a recommended problem solver in its field.

Tobias develops Risk Management tools to help clients best control their destinies. Whether it is a multinational firm that can benefit from a Captive or a multistate exposure that can benefit from a Large Deductible program, Tobias can deliver the resources, depth, and experience to develop the solutions its clients deserve.

While most firms are trying to develop products to sell on the Internet, Tobias provides clients with Internet access to report, view, and track claim information 24 hours a day, seven days a week. Multistate Workers' Compensation forms and Occupational Safety and Health Administration log forms are directly available to clients and can be effortlessly maintained.

Tobias designs client-customized programs that individually suit each company's insurance needs. "Tobias has been mastering the skills of listening, learning, and creating," says Rutigliano. "This key concept makes our clients the nucleus of our existence."

©2003 Tobias Insurance Group, Inc.