DKR & Associates
Insurance Services


Better Coverage, Better Rates,
Better Service.

Areas of Practice


General liability insurance can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.


The needs of every home owner are different and your policy should reflect that. I can find you the right homeowners coverage from family homes, condos, mobile homes and renters insurance.


A bond issuer might use bond insurance to guarantee the repayment of the principal and all associated interest payments to the bondholders in the event of default.

Excess Liability

Excess liability gives extra protection for your business by providing higher limits once the limits on your underlying umbrella policy have been reached. Policyholders can also match the standard terms and conditions of their primary and excess policies to ensure that there are no coverage gaps.


Personal liability occurs in the event an accident, in or out of your home, that results in bodily injury or property damage that you are held legally responsible for. Personal liability claims could include medical bills, legal fees and more if a guest is injured on your property

Commercial and Personal AUTO LIABILITY

I will be happy to explain coverages and go over anything that you may have questions about. I want to make sure that your Commercial and Personal auto insurance policy fits your exact needs.

Workers compensation

With workers' compensation policies, small business owners can stay in compliance with the law and protect their company and employees against losses from work-related injury or illness. Workers' compensation costs can vary based on myriad factors, so we work to create insurance solutions that fit your needs.

Inland Marine

inland marine insurance covers products, materials and equipment when transported over land—e.g., via truck or train—or while temporarily warehoused by a third party.


Accidents, illnesses, lawsuits… If you're in business, you're exposed. While the number of risks you're exposed to is almost unlimited, you might only need a few basic coverages to start.


Specialty lines is the coverage you need for your toys such as boats, recreational vehicles, and motorcycles. Whether for “pleasure use” or “permanent”, or just living the good life, I will get you the coverage that can make the difference when something happens.


This type of insurance policy is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future.