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    <loc>https://www.cbqco.com/home</loc>
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    <loc>https://www.cbqco.com/aboutus</loc>
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    <lastmod>2025-02-15</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1613418783233-MYJPD7FJV8LER5X748CX/Dave+Cerva.jpg</image:loc>
      <image:title>About Us - David Cerva, CLU, ChFC President / CEO</image:title>
      <image:caption>Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1613418819435-35X2H0GJN4J5JK1DAYRS/Scott+Bailey.jpg</image:loc>
      <image:title>About Us - Scott Bailey Agent</image:title>
      <image:caption>Scott is an experienced and trusted employee benefits professional for small businesses. A personal touch is his key to success in this vast world of complex insurance offerings. Scott specializes in removing frustrations from his clients. When he is away from the office, there is nowhere he would rather be than spending time with his wife and children. He has also found that there aren’t many stresses in life that a good long pedal on a mountain bike can’t fix!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1614019394372-KVYJGTRCR09Z4C4LSXL5/Heather.pic.jpg</image:loc>
      <image:title>About Us - Heather Donbrosky Cobra Specialist &amp; Compliance Director</image:title>
      <image:caption>Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1622130188921-IY4H8435BVCLHIS5TUVQ/Diane+Larsen+Headshot.jpg</image:loc>
      <image:title>About Us - Diane Larsen Claims Specialist</image:title>
      <image:caption>Diane is a native of Salt Lake City, Utah.  She holds a bachelor’s degree in Business Management from the University of Utah.  Employing her business education and leadership skills, Diane worked for many years in banking as the institution’s companywide Checking Department Manager.  In 2007, Diane joined Cerva, Browning Quinn Co as Claims Resolution Specialist.  She has years of experience acting as a liaison between insurance, provider, and individual member to resolve claim issues.  Diane truly enjoys assisting CBQ clients with their dental, vision, and medical claim needs.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1619810353563-M010AGM8NKG48X5C1KU0/_DSC4105+a.jpg</image:loc>
      <image:title>About Us - Suzanne Naylor Accounting</image:title>
      <image:caption>Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1614628993826-35FRAG9D33X2Q19OTCKH/Kaddyne.JPG</image:loc>
      <image:title>About Us - Kaddyne Lloyd Account Manager</image:title>
      <image:caption>Kaddyne joined the CBQ&amp;CO Team in April 2019 as an Account Manager. Her previous experience in Fraud has helped CBQ keep client information secure and HIPAA compliant. Kaddyne is originally from Brazil, and fluent in both Portuguese &amp; Spanish. She enjoys spending time with her family and traveling. Her favorite holiday is Halloween. Kaddyne is currently getting her degree in Social Media Marketing at BYU Idaho.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/481f8179-cf47-45ee-88c8-f4a889079b0c/image_50410497.JPG</image:loc>
      <image:title>About Us - Christy Marks Account Manager</image:title>
      <image:caption>Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/232225df-2c07-4897-9f81-6b9c61a85719/Portrait_placeholder.png</image:loc>
      <image:title>About Us - Rachel Kidd Account Manager</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1614629466887-OI68ZLTFEE6NOALWK3MA/Hailee-17%2B%25281%2529.jpg</image:loc>
      <image:title>About Us - Hailee Hudson Telemedicine Operations</image:title>
      <image:caption>Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park.</image:caption>
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  <url>
    <loc>https://www.cbqco.com/telemedicine-1</loc>
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    <lastmod>2021-03-02</lastmod>
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      <image:title>Telemedicine - Our Providers</image:title>
      <image:caption>Providing affordable access to board certified physicians 24/7/365. CBQ &amp; Co offers telemedicine services through multiple providers. This provides our clients with the best pricing on the best product tailored to meet each employers specific needs. A stand alone telemedicine plan can keep healthcare costs down and save employers and employees money.</image:caption>
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  <url>
    <loc>https://www.cbqco.com/contactus</loc>
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    <lastmod>2021-06-03</lastmod>
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      <image:title>Contact Us - Contact us.</image:title>
      <image:caption>info@cbqco.com (801) 261-5678 4746 S 900 E Suite 210 Salt Lake City, UT 84117 Facebook LinkedIn</image:caption>
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  <url>
    <loc>https://www.cbqco.com/groupbenefits</loc>
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    <lastmod>2021-03-03</lastmod>
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      <image:title>Group Benefits - Group Benefits</image:title>
      <image:caption>For most employers, providing their employees with health care benefits is second in cost to payroll. CBQ &amp; Co personnel provide over 100 years of experience in benefits planning. Our team creates cost-effective options that allow employers to attract and maintain key personnel. In the restrictive and heavily mandated world of benefits, being compliant is critical. We have the expertise to navigate the regulatory requirements and provide innovative plan designs that benefit both employers and employees. Most importantly, we bring a level of personal service coupled with the latest technology to provide our clients with the best of both worlds.</image:caption>
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  <url>
    <loc>https://www.cbqco.com/voluntary-benefits</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-03-01</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1614632808283-T357E439Y141C30BCNNR/injured-person-at-work-sml1.jpg</image:loc>
      <image:title>Voluntary Benefits - Voluntary Benefits</image:title>
      <image:caption>With rising costs of health care resulting in high deductibles and copayments, employees are choosing to supplement coverage through voluntary benefits. Employees look to employers to provide options through payroll deduction that simplify their lifestyles. CBQ &amp; Co has numerous providers and simplified processes that make voluntary benefits easy for employees and employers alike.</image:caption>
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  </url>
  <url>
    <loc>https://www.cbqco.com/smallemployers</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-03-01</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1614632679800-IKMF88BI6NBEDPK9M4NN/placement.jpg</image:loc>
      <image:title>Small Employers - Small Employers</image:title>
      <image:caption>CBQ &amp; Co’s focus is to bring large group benefits and services to all our clients regardless of size. We offer Self-Funding, Level Funding, Fully Insured, COBRA, ACA Reporting, HSAs, and HRAs in addition to an enrollment platform to simplify HR management. We also provide EDI feeds directly to the carrier, legal assistance, and compliance.</image:caption>
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  <url>
    <loc>https://www.cbqco.com/enrollment-onboarding-1</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-06-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1614801301840-389YXIVVLYW3IAYDDGRD/office+image.jpg</image:loc>
      <image:title>Enrollment &amp; Onboarding - Enrollment &amp; Onboarding</image:title>
      <image:caption>Today employees want online access to all their benefits in one single location. CBQ &amp; Co provides their clients with the tools that make this possible. Eliminating where possible the need for paper forms and where the information is transferred directly to the carriers from your HR management program. This eliminates errors, saves time for employees, and the HR department, and provides convenience for your employees by having access 24/7 to all their benefits. The HR management tool connects with many payroll companies and links payroll and benefits into one system.</image:caption>
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  <url>
    <loc>https://www.cbqco.com/compliance-guidance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1614796553350-XR8ZWPRSGXWMK1AE4V0K/ACA-02.jpg</image:loc>
      <image:title>Compliance Guidance - Compliance Guidance</image:title>
      <image:caption>CBQ &amp; Co provides their clients with compliance guidance in areas such as ERISA, DOL, ACA, FLMA, and COBRA. We also access the best employment law attorneys to assist when needed. Whether it’s ACA reporting, ERISA wrap documents, or COBRA administration, we have you covered.</image:caption>
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  <url>
    <loc>https://www.cbqco.com/health-wellness</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1614796739583-8YZ02J3QW417U9W1ASZI/ethics-meeting.jpg</image:loc>
      <image:title>Health &amp; Wellness - Health &amp; Wellness</image:title>
      <image:caption>CBQ &amp; Co provides all types of benefits for our clientele. From catastrophic plans, self-funded and level-funded plans, to fully insured plans, we analyze an employer’s needs based upon demographics, the type of business, and employee needs to customize a plan that will provide the best solution based on those factors.</image:caption>
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  </url>
  <url>
    <loc>https://www.cbqco.com/hr-library</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-03-03</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1614797609786-JN7M5Y18D2O0QOH313I0/Government-Compliance-Testing-ath-Power.jpg</image:loc>
      <image:title>HR Library - HR Library</image:title>
      <image:caption>All CBQ &amp; Co clients have access to our virtual library to search for information on any HR issues or laws pertaining to employees and employers. This library is updated regularly by some of the best employment law attorneys so that you can research any subject needed as well as any pending legislation that may impact employers.</image:caption>
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  </url>
  <url>
    <loc>https://www.cbqco.com/webinars</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1614797944884-IFGNKIMA5M06PDMXR8N2/campaign-creators-gMsnXqILjp4-unsplash.jpg</image:loc>
      <image:title>Webinars - Webinars</image:title>
      <image:caption>CBQ &amp; Co clients get access to various webinars on issues relating to HR and legislation. These can be watched live, or are saved in our library base for later viewing. Employers are able to view all webinars at a convenient time for them.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.cbqco.com/cobra</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-06-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/602ab2a304cc80278e0f1963/1614797944884-IFGNKIMA5M06PDMXR8N2/campaign-creators-gMsnXqILjp4-unsplash.jpg</image:loc>
      <image:title>COBRA - COBRA Administration</image:title>
      <image:caption>CBQ &amp; Co clients may choose to have us administer COBRA on their behalf. This includes collecting premiums from past employees, making sure coverage is in place, and sending out the necessary and mandated COBRA notices. Please log in with the button below to log new COBRA events for your company.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.cbqco.com/book-a-class</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-06-04</lastmod>
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