Business & Commercial Insurance

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- By horse-people, for horse people
- No annual fees
- Mortality coverages start as low as $200 a year
- Free $5,000 emergency colic surgery included for qualified horses
- $425 deductible per major medical claim
- NO co-pays
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We shop programs through the marketplace, and offer a variety of ACA creditable plans not available through the marketplace, to find the right coverage for you at the best price.
Types of Business & Commercial Insurance
- The most common type of policy is property insurance, which covers your business in case of damage to your property or equipment.
- Liability insurance is another common type of policy, and it protects your business from lawsuits arising from injuries or damages caused by your business.
- If you have employees, you may also need workers’ compensation insurance, which covers their medical expenses and lost wages if they’re injured on the job.
- Errors and Omissions insurance (E&O) is important for businesses that provide professional services, and it covers you in case of mistakes or omissions in your work.
- Business interruption insurance can reimburse you for lost income if your business has to temporarily close its doors due to a covered event, like a fire or natural disaster.
- Marine insurance protects businesses that transport goods by sea, and it covers against loss of property during transit.
Assistance with Business & Commercial Insurance
Other Policies
Business & Commercial Insurance
What our clients have to say about working with us
Jane, S.
“Hey, I just wanted to take a moment and say a huge thank you to the KRS Insurance team. You know, picking the right Medicare package was feeling like a mountain to me. But you all just…you made it so simple. I spoke to Anne, and she was like a friend, patiently walking me through everything, answering my endless questions without a hint of frustration. And now, I’ve got a package that I understand and, more importantly, that I’m confident in. It’s such a relief knowing I’m in safe hands. So, from the bottom of my heart, thank you, KRS. You folks are lifesavers!”
Gary, S.
“Hi KRS Team,
Just a quick note to say a massive thank you! After that storm damaged my car, I was so stressed. But Mike and the team made the claim process incredibly easy and stress-free. You covered the costs quickly, no hassle, no endless paperwork. I’m so grateful for your genuine care and support. You’ve definitely got a customer for life!
Warm regards, Gary”
John, I.
“Hello Jim,
A quick note to say thank you for the unexpected discount on my house insurance! It’s great to feel valued as a long-term customer. Your kind gesture has truly made my day and reaffirmed why I’ve chosen KRS all these years.
Warm regards, John”
Susan, K.
“Hi Mary,
Thank you so much for helping me pick my Medicare plan! You made everything easy to understand and I’m happy with my choice. Really appreciate your help!
Thanks again, Susan”