Business Insurance Solutions

Staying competitive in business today demands the ability to manage risk as well as cost.

While typically cost can be planned or managed, risk often cannot.  KMKInsure is your risk solutions company.

Solutions to help your business succeed

KMK Insure is an independent insurance agency that handles a wide variety of business & commercial needs.  We are able to hand-pick top-rated insurance providers to handle our customer’s needs & requirements.

Professional Liability

Often called E/O, Professional Liability What this is: Also called professional indemnity insurance (PII), but more commonly known as errors & omissions (E&O) insurance in the US, is a form of liability insurance that helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.a form of insurance to protect you from malpractice suits.


    You may believe you operate with the utmost integrity and care for your clients, but that may not matter! Protecting you and your dreams is smart business these days!


    True or not, you may get sued for actions you or your employees get accused of. Legal costs can be excessive!

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 Workers Compensation

is required by law in most states if your business meets certain employment requirements. Worker’s Compensation is designed as a no-fault coverage for employers in case of an employee injury in the course of employment.


    Is not optional in almost every case where employees exist.


    It is the employer’s responsibility, and the employee’s right, to be protected. It is the law.

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General Liability

If visitors or consumers get injured on your premises, General LiabilityWhat this is: This is a specific name for a “first line” of coverage that a business typically purchases, and covers many of the common risks that can happen to any type of business, such as bodily injury or property damage on the business premises or due to the business operations, personal and advertising injury, and medical payments. covers your business to protect against 3rd-party lawsuits in the event of bodily injury, property damage and personal injury claims.


    There are numerous reasons and potential cases where general liability would make sense to protect your assets and your business.


    A simple fall could directly cost you tens of thousands of dollars unnecessarily, if general liability insurance is not protecting you.

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Non-Owned & Hired Auto

Non-owned and Hired Auto insurance What this is: Non-owned and Hired Auto Insurance Coverage will protect you from lawsuits brought against you from the actions of your employees while driving their vehicles in the scope of their business duties. Although the personal auto insurance is the “primary” insurance in case of an accident, because the employee was in the process and scope of business there is significant risk for the business also. protects you from lawsuits brought against you from the actions of your employees while driving their vehicles in the scope of their business duties.


    Protect yourself against these kinds of circumstances:

    Susan has to make that last minute business delivery. In a hurry, Susan decides to do it on her way home. She has punched out and is on her own time in her own. Susan inadvertently runs into a car in front of her at a stop light, and a small child is hurt.


    Referencing the circumstance above, the lawyer for the owner will legally sue your company even though Susan was driving her own car on her own time!

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Directors’ & Officers’ Liability (D&O)

Director’s and Officer’s Liability insuranceWhat this is: Directors and officers liability Insurance (often called “D&O”) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. protects the directors and officers of organizations from financial loss for decisions they may have made regarding the operation of the business.


    This type of insurance coverage allows your executive officers to operate without fear of legal reprisals.


    D&O covers legal expenses when board members get sued.

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Employment Practices Liability Insurance (EPLI)

Complaints of sexual harassment and racial and gender discrimination have become commonplace. EPLIWhat this is: Employment practices liability insurance, known in the trade as EPL insurance or EPLI, provides coverage to employers against claims made by employees alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues, such as failure to promote. is business protection.


    Protect yourself against these kinds of circumstances:

    Your office assistant makes sexual overtures to you. You ignore them and decide to transfer this person to a different department. Later, you find out you are being sued for sexual harassment. This accusation will go nowhere due to good documenting. However, the costs of defending yourself are excessive.


    Organizations accused of employment practices violations can face costly penalties expensive defense fees. EPLI is designed to cover various legal costs, settlements, & damages.

Explore Employee Practices Liability Insurance

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