Commercial Insurance Built To Protect Your Business

From your first employee to your biggest contract, KBK has been protecting local businesses in our community since 1908.

Coverage That Protects Everything You’ve Built

3 men discussing blueprints of the new build

Running a business means managing risk every single day. Whether you're a sole proprietor just getting started or an established employer with a full team, the right commercial insurance is the foundation that protects everything you've worked for.

At KBK Insurance Agency we work with multiple top-rated commercial carriers to build coverage that fits your specific industry, your operations, and your budget. We don't believe in off-the-shelf policies. We take the time to understand your business and make sure you're protected where it matters most.

As an independent agency we work for you. Giving you access to competitive pricing, unbiased guidance, and a team that stands behind you every step of the way.

Commercial Coverage Options

The commercial coverages listed represent the foundation of what we offer, but every business deserves a solution built around its unique risks. Whatever your industry, whatever your size, our team will design a program that fits. Reach out to start the conversation.

  • Protects your building, equipment, inventory, and business personal property against fire, theft, vandalism, and other covered losses. Whether you own or lease your space, your physical assets are protected.

  • Covers your business against third party claims of bodily injury, property damage, and personal injury. Essential for any business that interacts with customers, vendors, or the public.

  • Required in most states for businesses with employees. Covers medical expenses and lost wages for employees injured on the job and protects your business from related lawsuits.

  • A bundled policy combining commercial property and general liability coverage into one cost-effective package. Ideal for small to mid-size businesses looking for comprehensive protection at a competitive price.

  • Every business that has employees, leadership, and decisions to make carries management liability exposure. This coverage protects your company and its leaders against claims of wrongful termination, discrimination, harassment, errors in judgment, and breaches of fiduciary duty.

  • Small and mid-size businesses are increasingly targeted by cyber attacks precisely because they tend to have fewer security resources in place. Cyber liability insurance covers the costs of a data breach or ransomware attack including client notification, legal defense, regulatory fines, and lost income while your systems are offline.

Industries We Serve

KBK has been insuring the backbone of the Central Coast economy for generations. Whether you're farming the Pajaro Valley, running a restaurant in downtown Watsonville, or building homes across Santa Cruz County; we have the carrier relationships and industry expertise to protect your operation.

Contractors & Construction · Restaurants & Food Services · Retail & Hospitality · Healthcare & Professional Services · Agriculture & Farming · Transportation & Logistics · Real Estate & Property · Technology & Consultants · Electricians & Plumbers · Landscaping & Maintenance · Nonprofits & Organizations · Warehousing & Distribution

Contractors & Construction · Restaurants & Food Services · Retail & Hospitality · Healthcare & Professional Services · Agriculture & Farming · Transportation & Logistics · Real Estate & Property · Technology & Consultants · Electricians & Plumbers · Landscaping & Maintenance · Nonprofits & Organizations · Warehousing & Distribution

Carriers We Work With

amtrust insurance carrier logo

As an independent agency we work with multiple top-rated carriers, so you always get the best coverage at the most competitive price.

three by berkshire hathaway insurance carrier logo
Capital Insurance Group carrier logo
Travelers insurance carrier logo
State Fund Workers Compensation Carrier Logo
progressive insurance carrier logo
Liberty Mutual Insurance carrier logo
The Zenith insurance carrier logo
The Hartford insurance carrier logo
BHHC Berkshire Hathaway Homestate Company insurance carrier logo
Berkshire Hathaway Guard Insurance carrier logo
Markel Insurance Carrier Logo
midwest insurance company a workers compensation specialist carrier logo

Lets Protect What You’ve Worked So Hard To Build

Every business is different. Let's start with a conversation about yours. No pressure, no obligation, just honest advice from a team that's been doing this since 1908.