A. Because all businesses are unique and different, all premiums vary. There is no one set price for Insurance. Businesses are typically rated on Annual Gross Revenue in addition to other risk factors considered. Each business application submitted undergoes the underwriting process to receive a formal quote.

A. To obtain a quote you will need to complete one of our applications specific to your business classification. Once the application is completed, one of our Agents will reach out to you with confirmation. Insurance carriers will request a hard copy of Five (5) years of Currently Valued Loss Runs that you will need to obtain from your current Insurance Agent. If yours is a new business venture, you will need to provide a description of your experience in the specific industry. Because the underwriting process is very detail oriented, communication and responsiveness is vital for quoting turnaround time.

OBTAIN A QUOTE

Obtaining insurance quotes from underwriters requires time as they conduct a comprehensive assessment of various factors to provide accurate and personalized quotes. They review your specific requirements, evaluate risks, analyze data, and consider market conditions. To help expedite the process, insureds are encouraged to be responsive and provide necessary information promptly. Your cooperation enables us to streamline the process and deliver timely and tailored insurance options. We appreciate your patience and proactive involvement in this process.

A. Each business and classification varies. Our Agents will tailor a competitive and adequate Insurance Policy that fits the needs of your business. We can offer the standard coverages required in your industry and other various Insurance coverages.

(i.e. Cyber Liability, Umbrella Coverage, Employment Practices Liability, & etc.)

Use the links below to learn more:

What type of insurance do I need for my Nightclub or Bar?

Other Insurance Coverages for Commercial Business Owners to consider.

A. If you have various locations and they are under the same interest, ownership, and control for all locations, we should be able to “piggy-back” a policy that includes all locations with each location having their own separate limits.

(i.e. Nightclub Entity 1 has two locations, one in Denver and one in Nashville, both under the same ownership, interest and control)

A. Insurance policies are auditable at the Insurance company’s discretion. Any variance in the reported vs. actual revenues, either as a result of an audit or a Risk Control inspection, may be subject to a mid-term and/or post-term adjustment in premium.

A. KEL’s best attribute is our Quality of Service. We provide prompt, courteous, and personal service to all insureds. Because we work in niche-market, we have the experience, relationships, and knowledge to best serve your business in its niche industry. We are a family-owned and operated business from which you can expect responsiveness and reliability; it is in our best interest to serve and protect your business. We look forward to working with you!