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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. Who is Heil & Kay Insurance?
  2. What insurance services do you offer?
  3. Are you an insurance carrier, like Progressive?
  4. What type of businesses can you insure?
  5. What insurance coverage do most businesses need?
  6. If I already have an insurance agent, can I make a switch and have Heil & Kay become my agent?
Who is Heil & Kay Insurance?

Heil & Kay Insurance is a full service Insurance Agency specializing in the service industry including Hospitality, Automotive Industry and Construction.



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What insurance services do you offer?
As a full service agency we offer all types of insurance products including but not limited to 
    Commercial/Business Insurance
    Personal Insurance
    Group Health and Life
    Individual Health and Life


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Are you an insurance carrier, like Progressive?
Although we work with Progressive we are not an insurance carrier.  We are insurance agents, also called insurance brokers , we are  local representative of large number of A and above rated quality insurance companies. 

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What type of businesses can you insure?
  • Any business with U.S.-based operations
  • Any individual domiciled in the U.S.


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What insurance coverage do most businesses need?

The insurance coverage that a business needs varies based on many factors, including the type of business, services performed, assets owned, and number of employees, to name a few. Most businesses will need all or some of the following:

General Liability

Property Insurance

Workers’ Compensation

Commercial Automobile Insurance

Professional Liability

Umbrella Insurance



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If I already have an insurance agent, can I make a switch and have Heil & Kay become my agent?

Yes. You can switch from your current agent and designate us as your agent with a Broker of Record (BOR) letter. Your policy gives you the right to choose an agent to represent you as long as your insurance carrier recognizes us. With your authorization on the BOR, we can make this switch very quickly and efficiently, and it gives us the power and authority to manage your insurance policy.



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