Find Key Person Insurance from Klinger Insurance Group


Klinger Insurance is an independent brokerage offering a range of business life insurance policy options for company owners and their employees. With access to a vast pool of insurance providers, we provide free quotations that are tailored to the individual needs of your company and its staff.

Get Quotes for Key Person Insurance

When you buy keyman insurance for your business, you want to know that you’re getting value for money, and a policy that will meet the needs of your business in the event you ever need to make a claim. At a trusted and established commercial keyman insurance agent, we will find the best policy for your business, at a price you can feel happy about.

How does keyman insurance work?

Keyman or key person insurance coverage offers financial protection and an extra layer of security to the company operations in case a vital member of the company was to pass away or be forced out of work due to illness. some commercial insurance companies will also refer to this coverage as business life insurance.

Why buy key person Insurance?

If your business is going to seek investment or finance, then you will probably be asked to buy a keyman policy for your company. But this isn’t the only reason why buying business life insurance is a good idea.

If the reputation of the business or financial viability is directly linked to a critical member of staff or management, and the departure of that individual could significantly damage the company finances, then this is a very compelling case for buying a key person insurance policy.

If you are in a business partnership, you might agree with the other partner that you will buy out their shares in the event of their death; this another reason why you might buy keyman insurance.

At Klinger Insurance, we have a detailed understanding of the commercial life insurance sector. We’ll take the time to get to know your business and talk about the keyman coverage options that are available. As an independent broker, we will obtain the most suitable quotes for your needs and provide you with a clear proposal and cost for buying key person coverage.

Disclaimer: This information has been written for the public as informational only. Since coverage varies from state to state, it is important to speak to a licensed insurance agent in your state.

Companies Represented


  • 21st Century
  • Ace
  • Aic
  • Aig
  • Allied
  • Amtrust
  • Anthem
  • Assurant Flood Pro
  • Banner
  • Burns Wilcox
  • C N A
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  • Dairyland
  • Dental Quest
  • Dominion Dental
  • Erie
  • Farmer S
  • Fireman S Fund
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  • Foremost
  • Frederick Mutual
  • Genworth
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  • Guard
  • Hagerty
  • Harleysville
  • Hartford
  • Ihc Group
  • Iwif
  • Jewelers Mutual
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  • Liberty Mutual
  • Maif
  • Mass Mutual
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  • National Flood
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  • Pennock
  • Pets Best
  • Philadelphia
  • Progressive
  • Rockwood
  • Safeco
  • Seaworthy
  • Selective Flood
  • Seneca
  • Sentry
  • State Auto
  • Stone River
  • Tapco
  • Trans America
  • Travelers
  • United Healthcare
  • Us Assure
  • Usg
  • Usli
  • Zurich




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  • Wedding Insurance
  • Whole Life Insurance
  • Wholesalers Insurance
  • Worker S Comp Insurance
  • Worker S Compensation Insurance


Frequently Asked Questions


  • How much keyman insurance should you buy?

    There isn’t a pre-set amount of keyman coverage you should by. The first step is to think about the potential financial impact that a person’s death could have on the business. Talking with one of our commercial insurance team can help you establish the right level of keyman insurance to buy for your business. To get free quotes for your business without obligation, contact a member of our team today.


  • When would you not need to buy keyman coverage?

    If your business is a sole proprietorship and there are no staff members who depend on it, then your need for the coverage is not as great as others; but you can still buy it.


  • What is included in key person insurance?

    The proceeds of a keyman policy can be used to cover business expenses until such a point a replacement is found. This can include paying company debts, severance payments, money for company investors, or even to close the business down.


  • Who pays the premiums for keyman insurance?

    Typically, it is the business that will pay the premiums, and the policy is owned by the company.


  • Do you need permission for an employee to name them on a key person policy?

    Yes. The individual who is named on the policy must provide their express consent in writing.



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