Brown & Joseph, LLC

Brown & Joseph, LLC is a commercial insurance receivables firm headquartered in Itasca, Illinois, and one of North America's most established names in insurance premium recovery. Insurance carriers that need to recover delinquent premiums and overpayments, without building out internal collections infrastructure, turn to Brown & Joseph as their outsourcing partner. Since 1996, the company has combined deep insurance domain knowledge with a purpose-built recovery process that consistently delivers reduced write-offs, lower litigation costs, and improved cash flow for its clients. The company's service portfolio covers the full arc of the insurance receivables cycle. At its core is premium recovery, where Brown & Joseph pursues outstanding commercial insurance debts on a contingency-fee basis. Clients only pay when collections succeed. Supporting that foundation, the firm provides premium audit services through sister company NEIS, part of ARMStrong Insurance Services, making it the only back-office outsourcing provider of its kind to offer this capability in-house. The litigation and bankruptcy practice, backed by a nationwide attorney network through membership in the Commercial Law League of America (CLLA), handles accounts that escalate beyond standard collection activity. A dedicated business intelligence team runs root cause analysis on client portfolios to identify payment trends, systemic issues, and data gaps that suppress recovery rates. Brown & Joseph exclusively serves commercial insurance carriers across the United States and globally. That narrow focus gives the recovery team a genuine command of premium structures, audit disputes, and the common objections policyholders raise when balances are past due. Generalist outsourcing providers and standard call center operations cannot replicate that depth of industry knowledge. The firm currently works with more than 200 insurance companies worldwide and recovers in excess of $200 million in delinquent premium each year. The company runs on a proprietary cloud-based platform that gives clients 24/7 portal access to their account portfolios, along with customized reporting and workflow automation driven by client-specific business rules. Data enrichment services match incoming referrals against millions of business profiles and financial records to increase right-party contact rates and speed up the recovery cycle. Each client receives custom service modules documented with standard operating procedures, and management-controlled work queues keep collection activity prioritized by productivity. Office hours run Monday through Friday, 8 AM to 5 PM CST, from headquarters at One Pierce Place, Itasca, Illinois. Insurance carriers looking to improve receivables performance through a proven back-office outsourcing arrangement should reach out to Brown & Joseph directly. Their contingency model makes it a straightforward engagement to start, and their team is available to walk through the process and scope a recovery program for your portfolio.