Frequently asked questions
Our Insurance Products
Understanding the coverage you buy is important, but the language of underwriting can be a little difficult for those who are new to it. That's why K T L Business Insurance focuses on explaining auto insurance coverage in a common sense way that members in Del Mar appreciate. That way, it's easier to enjoy your vehicle with the assurance you understand what is covered in the event of an accident.
Auto policies tend to start with liability coverage, and the right amount can depend on the vehicle you drive, the state's requirements, and other factors. Once you have the liability package you need, collision coverage is there to help take care of any covered damage your vehicle takes in the event of an accident, and comprehensive packages are there to cover you in the event of an incident when the vehicle is not in motion. K T L Business Insurance works with Nationwide to provide drivers with a wide range of coverage choices. After you find the right coverage levels for your vehicle, we will apply discounts you may qualify for such as for safety equipment in the vehicle or your safe driving history.
Finding out more about our policy options is easy. Our offices can be reached at (858) 350-0555, and agents are happy to take set appointments for in-person consultations at our office located at 322 8th St.
Having the right amount of home insurance coverage can offer a great deal of peace of mind. At K T L Business Insurance we are here to help you understand and choose policies that are just right for your property, structures, and possessions. The first step in being properly insured is to assess the details. K T L Business Insurance or another of our experienced agents will discuss your Del Mar home and valuables so that you get the coverage you need. We offer several specialized products to aid members with swimming pools, detached garages, additional buildings, and high-value items.
We understand that your house is not only one of your most valuable possessions, it's also the place you call home. Protecting the value of your important belongings in case of theft, fire, or other unfortunate circumstances is an essential element of coverage. Our relationship with Nationwide allows us to offer you additional policies, such as Brand New Belongings®, which may help to replace or repair your covered belongings. In the event of a loss, we are with you through the claims process and are here to help you get your home back to normal as quickly as possible.
Contact K T L Business Insurance or another one of our qualified team members for more information about coverage for your specific situation. We can even help you choose a policy over the phone. Give us a call today at (858) 350-0555 for more information or to schedule an appointment. You can also stop by our office, located at 322 8th St.
If you have children, a spouse or anyone in your life who depends upon you financially, you need life insurance. The same holds true if you depend upon someone else financially. Life is unpredictable but it is within your power to minimize or even eliminate the financial impact of unexpected life events.
We at K T L Business Insurance are here to help people like you in the Del Mar area. We are here to answer your questions and make life insurance understandable. We will explain term versus permanent insurance and we will outline the types of life insurance that may be best for you.
When determining the amount of coverage you need, you should consider both your present and future circumstances. What are your current financial needs and what do you expect to be the future financial needs for your family?
You should factor in your current age, income and debts and the likely financial impact of lost income. You should also consider final expenses as well as future educational needs for your children and even for yourself or your spouse. If you are a one-income household, you should be sure to purchase a policy that will cover that income in its entirety if lost.
Life gets hectic; make sure you are not too busy to take care of yourself and your family. Call us now at (858) 350-0555 and ask for K T L Business Insurance. We are located at 322 8th St,Del Mar,CA,92014 and you are welcome to stop in any time. Let us help you find the right policy to assure your family’s financial security.
The business you own is something you wake up thinking about, and the issues of the day linger in your mind way past closing time. Whether your business is properly insured may be one of those issues, and if so, we'd like to help. K T L Business Insurance works with Nationwide to offer you insurance coverage to put your mind at ease. There are many different options, and we can combine those that are the most appropriate for your specific kind of business so that you will be covered for potential problems that are of the most concern to you.
A business owner's policy, also known as a BOP, might be the perfect solution for coverage. If you have fewer than 100 employees and less than $5 million in annual sales plus property or equipment you want to protect, a BOP is worth exploring. To begin with, you'll be covered for property damage and general liability. It might be wise to add crime insurance to protect your business against fraud or theft, and equipment breakdown insurance which covers mechanical and electrical equipment as well as your computers. Speaking of computers, you might also want to add cyber liability insurance, which is great to have if someone hacks your computers and your electronic data is compromised.
We know how hard you work to keep your customers happy and your company running on an even keel. When you're ready to talk about insurance protection, just give K T L Business Insurance a call at (858) 350-0555, or stop by our 322 8th St office in Del Mar. Having comprehensive coverage for your business will mean one less thing you have to think about when you wake up in the morning.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The K T L Business Insurance also offers products in AZ. Please call for information on products in those states.
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