Our Services
Comprehensive insurance solutions for individuals and businesses
The KJO Difference
Every Policy Starts With a Conversation
We sit down with every client to understand their situation -- not just check boxes on a form. That is how we find the right coverage at the right price, every time.
17 States Licensed
25+ Years Experience
13 Coverage Types
Home & Auto
Protect your home and vehicles
- Dwelling coverage
- Auto liability & collision
- Personal property
- Bundled discounts
HOAs & Commercial
Coverage for associations & businesses
- Common area protection
- Director & officer liability
- Commercial property
- General liability
Restaurant
Specialized coverage for food service
- Liquor liability
- Food spoilage coverage
- Equipment breakdown
- Workers compensation
GC & Work Comp
Protection for contractors & workers
- General contractor liability
- Workers compensation
- Tools & equipment
- Subcontractor coverage
Builders Risk
Coverage during construction
- Building under construction
- Materials & supplies
- Soft costs coverage
- Theft & vandalism
Liability
Comprehensive liability protection
- Umbrella policies
- Excess liability
- Professional liability
- Asset protection
Bonds
Surety & contract bonds
- Performance bonds
- Payment bonds
- License & permit bonds
- Bid bonds
Renters
Affordable protection for renters
- Personal belongings
- Liability coverage
- Additional living expenses
Landlord
Protect your rental investment
- Property damage
- Lost rental income
- Liability coverage
Life
Secure your family's future
- Term life options
- Whole life policies
- Financial protection
Business
Customized business coverage
- Property protection
- Liability coverage
- Business interruption
Motorcycle
Coverage for your ride
- Collision coverage
- Comprehensive options
- Accessory coverage
Recreational
Boats, ATVs, RVs & more
- Watercraft coverage
- Off-road vehicles
- Travel trailers