Business Risk Management, Inc.

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Mail address:

Thomas Barnard

Business Risk Management, Inc.

P.O. Box 309

Oak Park, IL 60303-0309

Telephone:  708-386-9300

Fax:            708-386-0928

email:  tbbarnard@yahoo.com

Our Philosophy:  We represent no insurance companies directly.  Representing an insurance company already

presents an agent with conflict.  Does he represent the customer or the insurance company?  As brokers, we

always put the interests of the customer first, even if we make less money.