Steven Kohnle Agency

Business Insurance

Starting your own business can be a scary thing. Writing up a business plan, securing the loan, business location, hiring employees, it can all be overwhelming.

Business Insurance

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Starting your own business can be a scary thing. Writing up a business plan, securing the loan, business location, hiring employees, it can all be overwhelming. On top of that, Business Insurance added to the list of necessary items to purchase. .

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Common types of insurance include commercial property, general liability, business income and equipment breakdown which can be combined into one single low cost payment each month. We specialize in obtaining the right business insurance required by the state of Kansas and Missouri

Farmers Insurance Provides Convenient Solutions to Ensure your Business has the Protection it Needs.

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Business Income is set in place to cover lost income the business may have been producing in the instance that the business itself has been interrupted to to a natural disaster or damage.

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Commercial Property Insurance protects your business against damages to the structure itself regardless of if its a home office or commercial building. This coverage usually included anything associated with the physical structure itself, such as a sign, office front, vehicle, and more. Loss of business income dues to necessary suspension of your operations during the time it takes to restore your company back to operational.

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Crime protects you in the instance of employee dishonesty, money & securities, forgery/altercations & counterfeit currency.

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Workers Compensation is set in place to provide medical coverage and or disability benefits to employees as a result or employment related injuries on the job or premises.

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Business Auto covers the different types of auto you may need to run your business, from vans to trucks and more in between.

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Equipment Breakdown is set in place to cover the cost of equipment failure or breakdown. Loosing income due to equipment failure can really halt production and our goal is to keep your company operating smoothly and efficiently. Equipment coverage usually covers all types of equipment such as computers, mechanical, HVAC, Communications equipment and more.

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General Liability Insurance protects your insurance in the instance of injury and any costs that may be associated with such as investigations, medical expenses for the injured party, legal fee’s, investigations and more.

Additional Business Coverages

Cyber Liability & Data Breach Expenses – Third Party Liability Coverage for information security, private breach response, and regulatory defense/penalties.
Employment Practice Liability – Covers allegations of discrimination, sexual harassment, or inappropriate conduct within the workplace.
Bailee – Covers damages or loss to property handled within your care.
Computer & Data – Covers damaged or loss of electronic data processing equipment.

Spoilage – Covers damage t your personal property (food) due to refrigerating equipment failure.
Valuable Papers & Records – Covers loss or damage to valuable papers/documents/records caused by a covered cause of loss.
Host Liquor Liability – Covers the amount you are legally obligated to pay as damages due to the selling, or over serving.
Medical Expenses – Covers Reasonable medical expenses to those other than owners, operators, or employees due to injury while on the premises.

Business Insurance Coverage

At the Steven Kohnle Agency, we want to be recognized as the carrier of choice for all your business needs. We can help you safeguard your organization with an insurance program designed to meet your requirements. Our coverages are specifically designed with your business in mind and we can mold your policy around package options to fit the needs of you and your employees and ensure every aspect is covered.

Coverage for a Variety of Vehicle Types you may use in Your Business such as:

A Farmers Policy can Provide Coverage for:

Additional Coverage Options:

Lease/Loan Coverage:

A Great Lineup of Discounts:

Disaster strikes, your vendor sustains a loss the renders the reservation system you depend on inoperable. Having the right coverage in place will help cover the physical losses or damages your business took, but getting back to fully operational and back to your customers will cost additional time, money and pain.

Unexpected loss from property damage can cause a recession in business, consider the following:

Farmers® Business Income & Extra Expense Reservation System Coverage pays for the actual loss of business income you sustain and necessary extra expenses you incur due to the direct physical loss or damage at the premises of a dependent reservation system caused by or resulting from any covered cause of loss.

Cyber Liability & Security Data Breaches are a thing of the future and continue to make a rise in today’s technology driven world. That makes it even MORE important for business owners to not only have the proper security measures in place, such as an SSL certificate and encrypted data transfer, but the right insurance coverage in place as well.

The cost of a data breach can be catastrophic and a costly one at that which will. have a negative impact on your business or worse. There are Federal & State reporting obligations required by law and the dissemination of personal information as a result of the breach can also expose you to a third party liability.

That’s where Steven Kohnle Agency comes in with Data Breach Expense Coverage. This coverage includes:

$50,000 aggregate annual limit
Third party liability coverage
Privacy breach response service which included customer notifications, forensic & legal assistance
Extended reporting period available
Free data security risk management service

It’s important to note that your business or organization may have specific needs and those needs may change over time. The Steven Kohnle Farmers Insurance Agency we can help protect you from the risk you face as a business owner and its never to late to start or review your current policy.

Business Insurance is pleased to offer Employment Practices Liability Insurance (EPLI). EPLI provides additional coverage your business or organization may face: defense and indemnity losses involving litigation that could potentially arise from past, present, or future employee/employer relations in which the scenario could lead to a significant loss or lawsuit.

The average Equal Employment Opportunity Commission (EEOC) complaint can take a year or more because Federal, State & Local statutes are becoming increasingly complex.

Here’s a few things covered by EPLI:

Wrongful Termination of employee or staff
Sexual Harassment in the workplace
Discrimination against race, color, sexual orientation, gender
Negligent promotions or retentions
Wrongful refusal to hire
Slander, defamation, libel, invasion of privacy

On the preferred – optional higher limit policy offers an extended reporting period of up to three years. “Claim” is defined to include alternative dispute resolution, civil and administrative proceedings, and arbitration.

Automatic Program: Offered on an opt in basis (for a small premium), ELPI coverage is automatically included in most new business or renewal policies packages.

Optional Higher-Limit Coverage:

For an Additional Premium, preferred policy program also offers:

ELPI give you a FREE, world class risk management website farmerskey.com that contains such links as:

My Workplace – An Area designed for internal communication for all registered users and employees such as a calendar, internal chat, employee handbook, and more.
Training – Four training modules that cover different ways to avoid sexual harassment in the workplace , wrongful termination, discrimination, and promote ethical behavior.
Knowledge Vault – A reference section containing article on important workplace issues such as self-audits, federal and state websites, major employment litigation, Human Resources, legal representatives designated by the site admin.

Best Practices Help Line – Loss prevention consultation via phone conference or telephone on how to manage employee relations and address all work issues such as:

To schedule a call, registered uses should the request form on farmerskey.com, complete and return the signed form to the fax number located on the top of the form and an agent will be in contact with you within 24 hours.

Farmers offers customizable business insurance that reflect the unique characteristics of your business.

While your day to day operations may be complex, understanding business insurance doesn’t have to be. There are coverage options available for just about every aspect from employee injury to natural disaster. Certain insurance is required by law and she by business associates such as lenders or landlords. Obtaining the right type and amount of insurance for your business will help avoid gaps in coverage when you need it the most.

From food spoilage cause by equipment failure, to fire damage and onsite customer injuries, Restaurant Insurance can help protect the risk you take being a restaurant owner.

Employment Practice Liability – Coverage in cases of business discrimination, sexual harassment and wrongful termination made by present, former, or future employees.
Property Insurance – Funds to repair or replace damaged physical assets from vandalism, fire, hail strike, windstorms and more
Liability Insurance – Protects against financial losses resulting from claims of injury or property damage cause by you or your employees
Business Crime Insurance – Protects against fraud, theft, forgery and robbery
Business Income Coverage – Helps cover expenses needed to keep your business operational after a loss while helping to replace lost revenue
Cyber Liability & Data Breach – Coverage for privacy breach response service and expenses incurred to notify parties affected by the security breach, including fees, call center costs, reimbursement costs and more

Life Insurance for Business Owners – Helps you plan for business succession, survive the loss of key employees and reward/retain your top employees.
Umbrella– Shields your business from potentially hazardous lawsuits with additional coverage.
Workers Compensation Insurance – Satisfy the medical needs of employees in the event of an accident or disease.

Business Auto Insurance – Ensures your business is protected losses from injury to other drivers, passengers & pedestrians for which you or an employee of yours is liable.
Equipment Breakdown – Pays for damage and loss of income caused by equipment which your business needs for production.
Ordinance or Law – Covers the cost to demolish or remove debris of undamaged parts of the building and the increased cost to repair, reconstruct or remodel damaged or undamaged parts of the building to comply with a building ordinance or law.
Food-Borne Illness -Pays for loss of income and extra expenses resulting from announcement by a public health authority or media of an actual or alleged discover of food borne illness.
Food Contamination Shutdown -Pays for the loss of income as the result of a shutdown ordered by the Board of Health or other government authority.
Tenants Improvement & Betterments -Provides coverage for fixtures, alterations, installations or additions that you made at your own expense as part of the building that cannot be legal removed.
Business Income from Dependent Properties -Provides coverage for the actual loss of Business Income due to the necessary suspension of operations.
Fine Arts – Pays for the loss of Fine Arts owned and used in your business.
Garagekeepers (Valets) – Provides coverage for physical damage or damages cause to a customer/clients vehicle while in your care, custody or control.

Be prepared for lost business income and cleanup cost.

What would happen if food contamination cause your business to close up shop till further review? Shutdown coverage can help bridge that gap. The Center for Disease Control (CDC) estimates that each year 1 in 6 Americans are affected by food borne illness. Be sure to have the right coverage in place. Food Contamination Shutdown coverage can pay for the actual loss of business income that you sustain due to the suspension of your operations. The coverage can also pay for costs related to compliance with the Board of Health or other government authority requirements.

The Coverage Includes:

Necessary medical tests and vaccines for affected employees as required (primary to any other coverage) and reimbursement you paid to infected patrons for medical care, hospitalization and necessary blood work
Business Income (based on net income, operating expenses and reasonable advertising expenses incurred to restore your reputation)
Cost to clean your equipment
Cost to replace those consumable goods declared contaminated

Farmers offers customizable business insurance that reflect the unique characteristics of your business and understanding business insurance doesn’t have to be so scary. Coverage options are available for just about every aspect from employee injury to natural disaster. Some insurance is required by law and others by business associates such as lenders or landlords. Obtaining the right type and amount of insurance for your business will help prepare you for ANYTHING!

From equipment breakdown to onsite customer injury, Retail Service Insurance can help protect you from risks you face as a business owner.

Employment Practice Liability – Coverage in cases of business discrimination, sexual harassment and wrongful termination made by present, former, or future employees.
Property Insurance – Funds to repair or replace damaged physical assets from vandalism, fire, hail strike, windstorms and more
Liability Insurance – Protects against financial losses resulting from claims of injury or property damage cause by you or your employees
Business Crime Insurance– Protects against fraud, theft, forgery and robbery
Business Income Coverage – Helps cover expenses needed to keep your business operational after a loss while helping to replace lost revenue
Cyber Liability & Data Breach – Coverage for privacy breach response service and expenses incurred to notify parties affected by the security breach, including fees, call center costs, reimbursement costs and more

Life Insurance for Business Owners – Helps you plan for business succession, survive the loss of key employees and reward/retain your top employees.
Umbrella – Shields your business from potentially hazardous lawsuits with additional coverage.
Workers Compensation Insurance – Satisfy the medical needs of employees in the event of an accident or disease.
Broad Form Products – Removes defective products exclusion.
Personal & Advertising Injury – Liability associated with personal and advertising injuries from covered offenses such as false arrests, malicious prosecution, wrongful evictions, violation of a persons right of privacy, slander and more.
Business Auto Insurance – Ensures your business is protected losses from injury to other drivers, passengers & pedestrians for which you or an employee of yours is liable.
Equipment Breakdown – Pays for damage and loss of income caused by equipment which your business needs for production.
Ordinance or Law – Covers the cost to demolish or remove debris of undamaged parts of the building and the increased cost to repair, reconstruct or remodel damaged or undamaged parts of the building to comply with a building ordinance or law.
Garagekeepers (Valets) – Provides coverage for physical damage or damages cause to a customer/clients vehicle while in your care, custody or control.
Utility Service / Time Element – Loss of business income & extra expenses caused by an interruption of covered utility service to the describe premises.
Hired & Non-owned Auto – Pays for bodily Injury or Property Damage arising out of the maintenance or use of a hired automobile in the course o business by you or an employee.

An integrated payroll and Workers’ Compensation policy by Steven Kohnle Farmers Insurance Agency will be simple and cost-effective for your business or organization. This pay-as-you-go policy solution links your payroll directly to your workers compensation premium, taking the guesswork of estimating annual payrolls out. Premiums are billed based on. your actual payroll checks and is automatically reported by your payroll service provider and premium collected per pay period. This will improve your day to day cash flow and eliminate some of those larger balances audits due at the end of the policy. This also means no down payment when starting your Workers’ Compensation Policy.

Eliminate the initial down payment when purchasing the coverage
Premiums billed are based on your payroll
Minimizes final premium audit adjustments
Maximizes and stabilizes your business cash flow
Removes finance, billing or installment fees and monthly checks

Easy Return to Work Programs – Getting your employee back to work as early as medically possible can save tons of money in temporary disability payments and retraining costs.
Providing Educational Materials – We have the right materials to educate your employees and staff on safety programs that will help reduce the risk of injury on the job.
Preferred Provider Organization – This is Farmers extensive market of physicians, specialists and hospitals committed to providing excellent treatment while managing cost.
Utilization Management – Physicians and nurses that utilize the latest technology and computerized medical guidelines. They will review all treatment plans including the necessity of hospitalization or lengthy stays.
Bill Review – Every bill is reviewed to ensure expenses are being dispersed appropriately and correctly.

Claims Management – Farmers can quickly and efficiently deliver benefits at a fair cost and help reduce the risk of legal non-compliance or a lawsuit. As one of the more complicated faucets of workers compensation insurance, rest easy knowing we have your back.
Reduced Claim Expenses – Workers Compensation premiums and rates are based on claims experiences. Lowering your cost of claims and improving your loss experiences may reduce your net cost.
Coordinated Efforts – Management of car and a solid return to work plan can help strengthen relationships with employees and management which could ultimately result in less litigation. A smoother transition can greatly reduce cost and expenses and Farmers can help.
Farmers Care – Our medical and disability management program includes a list of preferred provider organization with occupational physicians, urgent care centers and hospitals, and treatment plans.

What about the hidden cost they don’t mention or talk about. These cost all need to be considered when talking about your coverage plan to make sure all points are covered.

It’s important to have certain measure in place in order to reduce the risk of injury on the job. Make sure your employees are up-to-date on all their safety regulations and requirements.

Stop guessing
about your insurance coverage.

Work with a local Farmers Insurance agent who understands Kansas and Missouri risks and builds protection that actually works.

Trusted by families and business owners across Kansas and Missouri.

Steven Kohnle Insurance provides clear, personal, and proactive insurance guidance for individuals, families, and businesses across Kansas and Missouri—focused on protection that works when it matters most.

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Serving / Kansas & Missouri
Operation / Available 24/7
Phone / +1 (913)-871-4040
Email / Service@StevenKohnleInsurance.com
Address / 16567 W. 151st Street Olathe, KS 66062

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Steven Kohnle Agency

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