Running a business involves inherent risks, from property damage to liability claims and employee injuries. Understanding these risks is essential to ensure your insurance coverage adequately protects your operations. A risk assessment helps identify potential […]

Every driver knows they need car insurance—but when it comes time to choose a policy, the options can feel endless. Between liability, collision, and comprehensive coverage, how do you know what you actually need and […]

A common question we hear at KMO Insurance is: “Does my standard business insurance cover ransomware or hacking?” The short answer: typically not, or only partially — unless you’ve added specialized coverages. Here’s what finance […]

Home insurance can feel expensive, and many homeowners wonder if they’re paying more than they should. The good news is, you can save on your policy without cutting corners on coverage or protection. With a […]

This is one of the most common questions renters ask, and it’s an important one. On the surface, it might feel like your landlord’s insurance should be enough—after all, they own the property. But here’s […]

Owning a condo is an exciting milestone. It offers the convenience of low-maintenance living with the benefits of ownership. But here’s the catch: while your condo association’s master policy covers the building itself, it often […]

Running a business comes with both opportunities and risks. From unexpected property damage to employee injuries or customer lawsuits, business owners face countless challenges that could threaten their hard work. That’s where commercial insurance comes […]

When people think about life insurance, the first idea that comes to mind is protecting loved ones financially in case of death. While that is true, not all life insurance policies are created equal. Whole […]

Natural disasters like hurricanes, wildfires, floods, and earthquakes can strike with little warning, causing extensive damage to homes and properties. Ensuring that you’re adequately covered by your insurance policy is critical to protecting your financial […]

When severe weather strikes Overland Park—whether pounding hail, fierce winds, or flooding from heavy spring rain—it’s more than just a moment of panic. Your home, your sanctuary, is on the line. That’s why at KMO […]