The Kelley Group Co.

Independent Insurance Solutions Across Personal, Business, Life, Health, Benefits, and Multi-State Risk The Kelley Group Co is a Hull, Iowa-based independent insurance agency and brokerage licensed in more than 40 states. We help individuals, families, farms, businesses, real estate investors, hospitality groups, and multi-state clients evaluate insurance options designed around their actual risks. Our capabilities include: Business | Annuities | Life | Employee Benefits | Long-Term Care | Home & Auto | Health We are not limited to one company or one type of insurance. As an independent agency, we help clients review coverage options across multiple insurance markets and structure insurance programs that fit their property, liability, employee, personal, and financial protection needs. Whether you need coverage for a home, vehicle, business, farm, hotel, rental property, employee benefits program, life insurance plan, annuity, long-term care solution, or a more complex multi-state risk, our team is here to help you understand your options. What The Kelley Group Co Offers The Kelley Group Co provides insurance solutions across a wide range of personal, commercial, agricultural, life, health, benefits, and specialty needs. Business Insurance Businesses face risks that are different from personal insurance needs. We help business owners evaluate policies that can protect their property, operations, employees, vehicles, contracts, and financial stability. Business insurance solutions may include: General liability insurance Commercial property insurance Business owners policies Commercial auto insurance Workers’ compensation insurance Professional liability insurance Employment practices liability insurance Cyber liability insurance Inland marine insurance Equipment coverage Umbrella and excess liability insurance Bonds Specialty commercial insurance solutions We work with businesses of many sizes and industries, helping them understand coverage options, policy structure, limits, deductibles, exclusions, and risk management strategies. Home and Auto Insurance We help individuals and families evaluate coverage for everyday risks, including homes, vehicles, recreational equipment, liability exposure, and personal property. Personal insurance solutions may include: Home insurance Auto insurance Umbrella insurance UTV, ATV, and recreational vehicle coverage Flood insurance Personal liability coverage Our goal is to help clients protect their homes, vehicles, income, family, and long-term financial security with coverage that is thoughtfully structured. Life Insurance, Annuities, and Long-Term Care The Kelley Group Co helps clients evaluate insurance and financial protection strategies for their families, businesses, and long-term needs. Solutions may include: Life insurance Long-term care insurance Annuities Business continuation planning support Key person insurance discussions Family protection planning Retirement income considerations These conversations are not just about a policy. They are about protecting people, income, assets, and future plans. Health Insurance and Employee Benefits The Kelley Group Co works with individuals, families, and businesses that need health insurance and employee benefits solutions. Health and benefits solutions may include: Individual health insurance Group health insurance Employee benefits Dental coverage Vision coverage Disability insurance Life insurance benefits Supplemental benefits Benefits strategy for employers For businesses, employee benefits are an important part of recruiting, retention, and employee financial security. We help employers evaluate practical benefits options for their team. Farm, Crop, and Agricultural Insurance Agricultural risks require specialized insurance knowledge. The Kelley Group Co helps farmers, landowners, and agricultural businesses evaluate protection for property, equipment, liability, vehicles, crops, and operations. Agricultural insurance solutions may include: Farm property insurance Farm liability insurance Farm auto coverage Crop insurance Equipment coverage Outbuildings and structures Livestock-related coverage Umbrella liability Business and succession-related planning conversations Farming is not a standard risk. It requires coverage that reflects the way the operation actually works. Hotel, Motel, and Hospitality Insurance The Kelley Group Co works with hotel, motel, inn, and hospitality businesses that need coverage designed around the realities of lodging operations. Hospitality risks may include: Buildings and business personal property General liability Guest-related liability exposures Business income and extra expense Equipment breakdown Workers’ compensation Commercial auto Umbrella and excess liability Employment practices liability Cyber and data risk Wind, hail, and severe weather exposure Multi-location property schedules Hospitality businesses often have unique insurance needs. We help owners and operators review coverage in a way that accounts for property values, occupancy, contracts, lenders, franchise requirements, employees, and guests. Real Estate Investor Insurance Real estate investors need insurance programs that can scale with their portfolios. The Kelley Group Co helps investors evaluate coverage for rental homes, apartments, commercial buildings, mixed-use properties, and other real estate holdings. Coverage considerations may include: Dwelling and building coverage Liability insurance Loss of rents or business income Vacant property coverage Builder’s risk Flood insurance Wind and hail deductibles Umbrella and excess liability Multi-property schedules Lender insurance requirements Entity-owned property coverage Whether you own one rental property or a multi-state property portfolio, we can help you evaluate insurance options and coverage structure. Specialty and Hard-to-Place Insurance Some risks do not fit neatly into a standard insurance policy. The Kelley Group Co can help clients evaluate coverage options for specialty, complex, or hard-to-place risks. These may include: High-value property schedules Multi-state risks Unusual commercial exposures Surplus lines placements Specialty liability coverage Flood insurance Event-related risks Travel and international exposure Properties with wind, hail, or catastrophe exposure Businesses with complex contracts or lender requirements When a risk requires more than a standard quote, we help clients think through structure, coverage availability, pricing, exclusions, and market options. Independent Agency and Brokerage Access The Kelley Group Co is an independent insurance agency and brokerage. That means we are able to help clients evaluate options from multiple insurance markets rather than offering only one company’s products. Depending on the risk, coverage may be available through: Standard admitted insurance companies Specialty insurance companies Surplus lines insurance markets Brokerage markets Program markets Wholesalers and specialty underwriting partners Not every company writes every risk, and not every risk belongs in the same market. Our job is to help clients understand where their risk fits and what options may be available. Multi-State Insurance Capabilities The Kelley Group Co serves clients with insurance needs that may extend beyond one location or one state. Many individuals, families, businesses, real estate investors, agricultural operations, and hospitality groups have exposures in multiple jurisdictions, and those risks need to be coordinated carefully. The Kelley Group Co is licensed in the following states: Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, West Virginia, and Wyoming. In California, The Kelley Group Co does business as TKG Commercial Insurance Solutions. Multi-state insurance considerations may include: State-specific insurance requirements Workers’ compensation laws Commercial auto requirements Property forms and endorsements Wind, hail, flood, and catastrophe exposure Admitted versus surplus lines placement Lender requirements Lease and contract requirements Certificates of insurance Umbrella and excess liability coordination Named insured and entity structure Claims handling across jurisdictions If your risk extends beyond one state, it is important to work with an insurance agency that understands how coverage should be coordinated across locations, entities, contracts, and insurance markets. Who We Help The Kelley Group Co works with a wide range of clients, including: Individuals and families Homeowners Auto owners Farm and agricultural operations Business owners Contractors Real estate investors Property owners Hotel and motel operators Hospitality businesses Employers offering benefits Clients considering life insurance, annuities, or long-term care Multi-location businesses Clients with specialty or hard-to-place risks Clients with insurance needs in more than one state We believe insurance should be explained clearly. Our goal is to help clients make informed decisions, not simply sell the cheapest policy. Why Work With The Kelley Group Co? Insurance is not just about getting a quote. It is about understanding risk, protecting assets, and structuring coverage correctly. Clients work with The Kelley Group Co because we provide: Independent insurance guidance Access to multiple insurance markets Personal, commercial, farm, life, health, benefits, and specialty insurance options Experience with complex and multi-location risks Help evaluating admitted and surplus lines options Practical risk management conversations Clear explanations of coverage, limits, deductibles, and exclusions A local relationship with broader market access The right insurance program should match the real-world risk. We help clients look beyond price and understand how coverage may respond when it matters. Insurance Solutions Available Through The Kelley Group Co The Kelley Group Co helps clients with a wide range of insurance needs, including: Business insurance Home and auto insurance Life insurance Health insurance Employee benefits Long-term care insurance Annuities Farm and agricultural insurance Crop insurance Real estate investor insurance Hotel, motel, and hospitality insurance Flood insurance Travel insurance Bonds Specialty and hard-to-place insurance Multi-state insurance programs Frequently Asked Questions Does The Kelley Group Co only offer insurance from one company? No. The Kelley Group Co is an independent insurance agency and brokerage. We are not limited to one insurance company or one type of policy. We help clients evaluate coverage options from multiple insurance markets depending on the risk. Is The Kelley Group Co only a local Iowa insurance agency? No. The Kelley Group Co is based in Hull, Iowa, but serves clients with insurance needs across many states. The agency is licensed in more than 40 states and helps clients evaluate personal, commercial, life, health, benefits, annuity, long-term care, and specialty insurance solutions. Does The Kelley Group Co only offer auto and home insurance? No. In addition to home and auto insurance, The Kelley Group Co offers business insurance, farm insurance, crop insurance, life insurance, health insurance, employee benefits, long-term care insurance, annuities, bonds, flood insurance, travel insurance, and specialty insurance solutions. Can The Kelley Group Co help with business insurance? Yes. The Kelley Group Co helps businesses evaluate coverage for property, liability, workers’ compensation, commercial auto, umbrella and excess liability, cyber risk, professional liability, bonds, employee benefits, and other commercial insurance needs. Can The Kelley Group Co help with employee benefits? Yes. The Kelley Group Co helps businesses evaluate employee benefits options, including health insurance and related benefit solutions. Employee benefits can play an important role in attracting, retaining, and supporting employees. Can The Kelley Group Co help with life insurance, annuities, or long-term care? Yes. The Kelley Group Co helps clients evaluate life insurance, annuities, and long-term care insurance options. These solutions can be important for family protection, income planning, business planning, and long-term financial security. Can The Kelley Group Co help with hotel, motel, or hospitality insurance? Yes. The Kelley Group Co works with hotel, motel, inn, and hospitality businesses. These risks often require specialized coverage for property, liability, business income, equipment breakdown, employees, guests, contracts, and lender or franchise requirements. Can The Kelley Group Co help real estate investors? Yes. The Kelley Group Co helps real estate investors evaluate coverage for rental properties, investment properties, commercial buildings, multi-property schedules, liability, loss of rents, flood, wind and hail, umbrella coverage, and lender requirements. Can The Kelley Group Co help with farm or crop insurance? Yes. The Kelley Group Co offers farm and crop insurance solutions. Agricultural operations often require specialized coverage for property, liability, equipment, vehicles, crops, buildings, and operational exposures. Can The Kelley Group Co help with risks in more than one state? Yes. The Kelley Group Co can help clients evaluate insurance needs involving multi-state exposures. Multi-state risks may involve different property requirements, workers’ compensation rules, commercial auto considerations, lender requirements, surplus lines options, and policy coordination across locations. What is surplus lines insurance? Surplus lines insurance may be used when a risk does not fit standard admitted insurance markets. This can include certain specialty, complex, high-value, catastrophe-exposed, or hard-to-place risks. The Kelley Group Co can help clients understand when surplus lines may be appropriate and what the tradeoffs may be. What should I bring when requesting a quote? Helpful information may include: Current insurance policies Property addresses Vehicle or equipment lists Building values Loss history Business operations description Payroll and sales estimates Employee census information, if requesting benefits Lease, contract, or lender requirements Entity ownership information Prior quotes or renewal offers The more complete the information, the better we can help evaluate coverage options. Request a Quote or Coverage Review Whether you need personal insurance, business insurance, farm coverage, crop insurance, hospitality insurance, real estate investor coverage, life insurance, health insurance, employee benefits, long-term care insurance, annuities, bonds, flood insurance, travel insurance, or help with a specialty risk, The Kelley Group Co is ready to help. Contact our team to discuss your insurance needs, review your current coverage, or request a quote. The Kelley Group Co 1110 Main Street Hull, IA 51239

Office Information

Insurance Carriers

Independent Agents

Description

Memberships