FAQ

Q: 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.

Q: 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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Q: 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.

Companies We Represent

Q: 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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Q: 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

Q: 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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