Business Insurance

Your home and car aren’t the only things that need protecting. What about your business? We tailor our business insurance product to meet your specific needs, whether its coverage against theft or providing your employees with health benefits.

Our insurance products include:

  • Business Owner’s Policy
  • Commercial Auto
  • Restaurant
  • General Liability & Property
  • Apartment Building Packages
  • Builders Risk
  • Workers Comp
  • Umbrella 

Business Owner’s Policy
Unforeseen events can strike any business. A business owner’s policy is an umbrella policy that includes multiple insurance policies, such as:
Property Insurance – Covers your company’s physical structure (building) and its contents, such as inventory, office equipment, furniture and computers. Business Interruption Coverage – Covers lost profits and expenses until the business is operational again.
Crime Insurance – Covers lost or destroyed company assets, either by employees or someone else.
Liability Coverage – Covers your business against civil suits for accidents, product liability claims, copyright infringement as well as injury or property damage.
Vehicle Coverage – Covers vehicles your company owns, rents or borrows.

Commercial Auto Insurance
If your business owns or uses vehicles, you need commercial auto insurance to protect those automobiles.

Restaurant Insurance
Restaurants are prone to a variety of hazards. The last thing you want is to be held liable for damages resulting from personal injury, contaminated food, spilled coffee or a myriad of other accidents that may happen at any time. We provide policies that cover (amongst other things) worker’s compensation, liquor liability and food spoilage.

General Liability & Property
A general liability insurance policy covers unforeseen legal action, such as getting sued for bodily injury to your employees or your customers or property damage.

This is just a glimpse of how Kogen Insurance can serve your business insurance needs. For more information or to arrange a consultation, contact us today.

Personal Insurance

Our Personal Insurance products include:

  • Life Insurance
  • Auto Insurance
  • Homeowner's Insurance
  • Annuities

Business Insurance

Our Business Insurance products include:

  • Business Owner’s Policy
  • General Liability & Property
  • Apartment Building Packages
  • Builders Risk
  • Workers Comp
  • Umbrella 

Other Services

Our Other Services include:

  • Long-Term Care Insurance