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Trusted Insurance Solutions for Business Protection & Growth
Clifford & Bradford was founded on the principle of protecting businesses through efficient and cost-effective insurance solutions. Our elite team of industry experts combines decades of experience with strategic industry relationships to deliver tailored protection plans. We prioritize integrity by maintaining strict ethical standards, including mandatory ethics training and a zero-tolerance policy for fraud. Our unique service model eliminates communication gaps by handling claims and quoting in-house, ensuring seamless support.With specialized expertise in Workers Compensation, Commercial Insurance, and Captive Insurance programs, we serve businesses of all sizesfrom sole proprietors to organizations with 2,500 employees. Our commitment to personalized service includes 24/7 availability and a pledge to never use sunset clauses in policies. Through our in-house risk management division, Sterling Consulting Resources, we help clients reduce exposure and lower insurance costs while maintaining compliance with evolving regulations.
Services
Commercial Insurance
Employee Benefits
Personal Insurance
Captive Insurance
Risk Management
Claims Handling
Loss Control
Healthcare Plans
Property Coverage
Surety Bonding
Highlights and features
- We offer 24/7 personalized customer support with guaranteed 24-hour response times.
- Our team includes certified insurance experts with specialized knowledge in liability coverage.
- We implement innovative Captive Insurance programs that redefine ROI for businesses.
- Our in-house risk management division provides hazard evaluation and loss prevention services.
- We maintain strict ethical standards with mandatory biennial ethics training for all agents.
Associations and certifications
- Better Business Bureau
What people say
Relentless commitment
Unsung hero
Fast and efficient
Highly recommended
Expert guidance
Services
Commercial Insurance
We provide comprehensive commercial insurance solutions for businesses of all sizes. Our services include Workers Compensation, General Liability, Commercial Auto, Property Coverage, and specialized liability programs. With access to top-rated carriers, we help businesses mitigate risks while maintaining cost efficiency. Our team ensures customized protection plans that adapt to evolving industry requirements.
Captive Insurance
Our nationally recognized Captive Insurance programs offer businesses a strategic approach to risk management. Designed for companies paying over $100K annually in premiums, these programs provide financial rewards through innovative risk retention strategies. We help clients establish customized captive structures that improve return on investment while maintaining regulatory compliance.
Employee Benefits
We specialize in designing comprehensive employee benefit packages that comply with current healthcare regulations. Services include health, dental, vision, disability coverage, and retirement plans. Our experts help businesses navigate complex insurance markets to find cost-effective solutions that meet both employer and employee needs while ensuring regulatory compliance.
Risk Management
Through our in-house Sterling Consulting Resources division, we offer proactive risk management services. Our experts conduct hazard evaluations, implement safety programs, and analyze loss trends to reduce workplace incidents. This specialized service helps businesses minimize insurance costs while improving workplace safety and regulatory compliance.
Personal Insurance
We provide personalized insurance solutions for individuals, including homeowners, automobile, and umbrella policies. Our comparative rating system evaluates multiple carriers to find optimal coverage at competitive rates. This service ensures clients receive comprehensive protection for personal assets while maintaining affordability through strategic carrier selection.
People
Wes Bradford
President / CEO
Wes Bradford leads Clifford & Bradford with a focus on innovation and client-centric service. With decades of insurance industry experience, he has built a team of experts dedicated to protecting businesses through customized insurance solutions and risk management strategies.
Julie Sanders
Executive VP Operations
Julie Sanders oversees operations at Clifford & Bradford, ensuring efficient service delivery across all departments. Her leadership in insurance operations spans multiple industry sectors, maintaining the agency's commitment to excellence and client satisfaction.
Lori McQuilliams
VP, Captive Insurance
Lori McQuilliams specializes in captive insurance programs, helping businesses optimize risk financing strategies. With extensive experience in alternative risk management, she provides expert guidance on establishing and maintaining compliant captive insurance structures.
Justin Garant
WCIP Producer
Justin Garant specializes in workers' compensation insurance solutions, with a focus on innovative risk management approaches. His expertise in niche insurance markets helps businesses secure coverage for unique operational requirements while maintaining cost efficiency.
Crystal Bond
Employee Benefits Expert
Crystal Bond provides comprehensive employee benefits solutions, helping businesses navigate complex healthcare regulations. Her expertise in benefit plan design ensures clients receive cost-effective, compliant coverage options that meet both employer and employee needs.
Questions
What types of commercial insurance do you offer?
We provide Workers Compensation, General Liability, Commercial Auto, Property Coverage, and specialized liability programs tailored to specific industry needs.
How does your Captive Insurance program work?
Our Captive Insurance program allows qualifying businesses to retain risk through customized structures, potentially reducing costs while maintaining regulatory compliance and improving ROI.
Do you offer 24/7 insurance support?
Yes, we provide 24/7 availability with guaranteed response within 24 hours for all client inquiries and claims processing.
How do you help with employee benefits?
We design comprehensive benefit packages including health, dental, vision, and retirement plans while ensuring compliance with current healthcare regulations.
What risk management services are available?
Our Sterling Consulting division offers hazard evaluation, safety program implementation, and loss trend analysis to reduce workplace incidents and insurance costs.
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