Business insurance isn't a commodity — it's a portfolio of legal contracts that determine whether your company survives a lawsuit, a fire, or an employee injury. Ken's corporate background means he reads the fine print so you don't have to.
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📅 Book Time with the Agency →Many small business owners are significantly underinsured — often because they don't know what they don't know. Here's the landscape.
Bundles general liability and commercial property into one policy — usually at a discount. The starting point for most small businesses. We review what's included and what's excluded in each BOP before recommending one.
Covers bodily injury and property damage claims from third parties — customers, vendors, visitors. Required by most commercial leases and contracts. Protects your business from lawsuits that can otherwise be catastrophic.
Covers your building, equipment, inventory, and furniture against fire, theft, vandalism, and other covered perils. Unlike personal insurance, business property coverage needs to account for business interruption as well.
Personal auto policies typically exclude business use. If employees drive company vehicles — or their own cars for company business — commercial auto or a hired/non-owned endorsement is essential.
Required in Connecticut for most employers. Covers medical bills and lost wages for employees injured on the job — and protects you from most employee injury lawsuits.
For service-based businesses: covers claims that your advice, service, or product caused a financial loss. Architects, consultants, accountants, and IT professionals especially need this coverage.
One data breach can cost more than a small business makes in a year. Covers notification costs, legal fees, and business interruption from cyber attacks and data breaches.
Extends liability limits across your underlying policies when a major claim exceeds primary limits. Often one of the most cost-effective business coverages available.
Covers lost income and fixed expenses if your business is forced to close temporarily after a covered property loss. Often overlooked until it's needed most.
Group life, short/long-term disability, dental, vision, and voluntary benefits — the retention tools that help you keep good employees. Now offered as a KOA coverage line.
Health insurance for CT employers with 1–50 employees — traditional group plans, level-funded options, and ICHRA/QSEHRA defined-contribution strategies.
Ken spent nearly two decades at CVS Health and Aetna managing multi-billion dollar insurance operations — overseeing regulatory compliance, intercompany contracts, and risk governance at scale. He brought that expertise to an independent agency so small businesses in Connecticut get the same level of rigor that Fortune 500 companies pay consultants millions to provide.
Schedule a business consultation with our team. We'll review your actual exposures and build coverage that fits.