About K & S

about-300x200At K&S, our daily operations and business decisions center around one goal — the ongoing success of our clients.

Life-long Relationships:

As our clients’ business partner, we’re fully invested in their efforts to achieve their short and long-term goals. To make this happen we invest the time and resources needed to get to know our clients individually, which allows us to understand the special needs of each and in turn develop customized insurance and risk management products designed to forward each customer’s business objectives.


Our status as a true independent agency empowers us to be customer driven since we are ultimately held accountable by our clients, not shareholders. To make sure we’re staying on track, we evaluate ourselves internally (based on our perceived response to your requested services), constantly seek feedback in order to continually improve, and keep you posted on our ongoing activities on your behalf.

Customer Service:

Our team-oriented customer service approach ensures ease of operation for our clients. We’re not a vendor, we’re a key partner critical to the success of your daily operations.

Knowledge and Value:

Our clients benefit from the more than 100 years of combined industry experience offered by our team of specialists, all experts in the fields of risk management, commercial insurance and surety. Our expansive knowledge and our commitment to locating competitively-priced options results in risk management and insurance solutions that protect your interests while contributing to the bottom line.

Our areas of expertise include:

Commercial Insurance

  • Workers’ compensation
  • General liability
  • Automobile fleet
  • Property insurance
  • Equipment floater
  • Builders’ risk
  • Employee benefits


  • Performance/payment bonds
  • Court bonds
  • License bonds
  • Fidelity bonds

Personal Insurance

  • Homeowners’ insurance
  • Personal automobile
  • Dwelling fire policies
  • Boat policies
  • Farm and ranch
  • Cattle and horse mortality
  • Life and health
  • Annuities
  • Long-term care

Safety Services

  • Evaluation of safety or risk management manuals
  • Safety training
  • Job site hazard analysis
  • Establishment of claims management process
  • Assistance with recommendation compliance