We Are Insurance Advisors, Not Salespeople

At K.L. Hudson Insurance Agency, when we say we’re going to do something, we do it.

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As an independent agency, we are here to help you find the right coverage.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
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K.L. Hudson Insurance Agency

Learn more about our agency.

We are a family-owned independent insurance agency that puts service first. We believe that customer service is of the utmost importance, which is why it’s the one thing we pride ourselves on. Serving Tonawanda, NY, and surrounding areas, we understand the unique risks you face and work with you to help protect you from them.

You won’t find any salespeople here. Our goal isn’t to just sell you on an insurance policy. We are insurance advisors first and foremost, which means we form a relationship with you by taking the time to get to know you and your individual needs. We want to guide you down the insurance path to help you find the right insurance at the right price to secure what matters most to you.

Serving Tonawanda, NY and Beyond

We are proud to serve Tonawanda, NY and surrounding areas, including Amherst, NY, Buffalo, NY, Williamsville, NY, Clarence, NY, and Niagara Falls, NY.

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The Solution to Your Insurance Needs

Providing a variety of business insurance and personal insurance solutions is what K.L. Hudson Insurance Agency does best.

The Solution to Your Insurance Needs

Providing a variety of business insurance and personal insurance solutions is what K.L. Hudson Insurance Agency does best.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

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K.L. Hudson Insurance Agency + Erie Insurance

We strive to uphold Erie Insurance’s long-standing commitment to service.

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“Once again, Brittany and Kevin saved me money! I couldn’t suggest this agency any more! Give them a call, you won’t be disappointed!”

– Brandon Wolf

Our Clients Rave About Us

Check out our reviews and see why you should switch to K.L. Hudson Insurance Agency.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Garage/Repair Shop

Commercial General Liability / Garage Liability

Risk Factor

Your repair shop may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. For example, if a customer accidentally trips and falls while on the premises of your repair shop, you can become exposed to a potential lawsuit and held financially responsible for any injuries that result from the accident.

Solution

Commercial general liability insurance is an absolute necessity for every repair shop. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs. Coverage limits generally range from $100,000 to $1,000,000.

Commercial Property Insurance

Risk Factor

When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your repair shop business.

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Property of Others - Garagekeepers

Risk Factor

The nature of your business means you’re responsible for valuable cars, trucks, and other automobiles. As a repair shop owner, you’re trusted to safeguard vehicles belonging to others. This responsibility brings with it potential liability of being held financially responsible for property damage caused to these vehicles while in your care, custody, and control.

Solution

You should purchase physical damage coverage, referred to as garagekeepers coverage, designed to help you protect your customers’ property and your business in the event that accidents, injuries, or property damage occurs. This protection covers the costs that arise from unfortunate and unforeseeable events, not bad workmanship, faulty parts, or warranties.

Inland Marine and Mobile Equipment Policies

Risk Factor

You’re constantly moving your tools from one area of your repair shop to another, exposing your business to potential loss due to damage or theft. And without your specialized tools and equipment, your repair job may come to a screeching halt.

Solution

You can purchase special equipment insurance designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects, and overturning.

Workers' Compensation and Employers Liability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers' compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a repair shop owner, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a repair shop and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in the repair shop business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella or excess insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers' compensation, and business auto insurance. It provides a great safety net and helps ensure your repair shop business is well-protected.

Garage Repair Shop Insurance 101

Make sure you cover the unique risks you face with garage repair shop insurance.

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What Makes K.L. Hudson Insurance Agency Special

Here’s what sets us apart when it comes to serving your insurance needs.

Service First

We value customer service, so if we say we’re going to do something, we do it.

Clients Love Us

We have over 50 five-star reviews thanks to the dedication we have to our clients.

Experienced Agents

With 25+ years in insurance, we know how to bring you quality coverage.

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How can K.L. Hudson Insurance Agency help?

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  Contact K.L. Hudson Insurance Agency

As an independent agency, we are here to help you find the right coverage.

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Tonawanda, NY

2777 Sheridan Drive, Suite 202
Tonawanda, NY 14150

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