Let's Protect What Matters Most
Ken Moreno | Licensed Independent Insurance Agent
Serving Michigan & Ohio
Whether you're protecting your business, your family, or your future — Ken Moreno brings personalized, independent insurance solutions tailored to your needs. As an independent agent, Ken works for you, not an insurance company, giving you access to a wide range of coverage options at competitive rates.
Policies We Offer
From protecting your livelihood to safeguarding your family, we offer a focused range of insurance products to meet your needs.
Business Owners Policy (BOP)
Running a business means juggling a hundred risks at once — property damage, lawsuits, theft, lost income after a disaster. A Business Owners Policy (BOP) combines the essential coverages small and mid-sized businesses need into a single, cost-effective package.Â
What's Typically Covered:
General Liability – Protection against claims of bodily injury, property damage, and advertising injury caused by your business operations.
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Commercial Property – Coverage for your building, equipment, inventory, and furniture against fire, theft, vandalism, and certain weather events.
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Business Interruption – Replaces lost income and covers ongoing expenses if you're forced to temporarily close due to a covered loss.
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Optional Add-Ons – Equipment breakdown, data breach coverage, and more, depending on your industry.
Who Needs It:
Retail shops, restaurants, offices, contractors, and other small-to-midsize businesses that own or lease property and interact with the public or clients.Â
Why Bundle?
Combining coverages into a BOP is typically more affordable than purchasing each policy individually — and simplifies your paperwork with one renewal date and one point of contact.Â
Talk to us today to build a BOP tailored to your industry and risk profile.Â
Commercial Auto
Whether you operate a single work van or a fleet of delivery trucks, Commercial Auto insurance provides the protection your personal auto policy simply won't cover once a vehicle is used for business purposes.Â
What's Typically Covered:Â
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Liability Coverage – Pays for injuries or property damage you cause to others while operating a business vehicle.
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Physical Damage (Collision & Comprehensive) – Repairs or replaces your vehicles after an accident, theft, vandalism, or weather event.
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Medical Payments/PIP – Covers medical expenses for you and your passengers after an accident.
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Uninsured/Underinsured Motorist Coverage – Protects you if you're hit by a driver with insufficient coverage.
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Hired & Non-Owned Auto – Extends protection to rented vehicles or employees' personal vehicles used for work.
Who Needs It:
Contractors, delivery services, landscapers, sales teams, transportation companies, and any business using vehicles for work — even occasionally.Â
Why It Matters:
A single at-fault accident involving a company vehicle can result in devastating liability costs. Commercial Auto coverage ensures your business — and its assets — stay protected.Â
Get a fleet or single-vehicle quote customized to how you use your vehicles.
Event Insurance
From weddings to corporate conferences to community festivals, unexpected issues can turn a special occasion into a costly headache. Event Insurance provides short-term protection tailored to the specific date(s) and details of your event.Â
What's Typically Covered:Â
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General Liability – Covers third-party bodily injury or property damage that occurs during your event.
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Cancellation/Postponement Coverage – Reimburses deposits and expenses if the event must be cancelled due to covered reasons (illness, severe weather, venue issues, etc.).
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Liquor Liability – Additional protection if alcohol is served at your event.
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Property Damage – Covers damage to a rented venue or equipment.
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Vendor Requirements – Many venues now require proof of liability insurance — we can issue a certificate of insurance quickly.
Who Needs It:
Couples planning a wedding, event planners, nonprofit organizations hosting fundraisers, businesses hosting conferences, and anyone renting a venue that requires liability coverage.Â
Why It Matters:
Most venues require proof of insurance before your event, and one accident (a slip-and-fall, property damage, etc.) without coverage could cost you thousands. Event Insurance is affordable, fast to obtain, and gives you — and your venue — real peace of mind.Â
Get same-week coverage for your upcoming event.Â
Personal Home Insurance
A homeowners insurance policy protects more than just your walls and roof — it protects your family's financial future. From storm damage to theft to liability if someone is injured on your property, home insurance is essential protection every homeowner needs.Â
What's Typically Covered:Â
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Dwelling Coverage – Repairs or rebuilds your home after covered damage from fire, wind, hail, and other perils.
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Personal Property – Covers furniture, electronics, clothing, and other belongings inside your home.
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Liability Protection – Covers legal costs if someone is injured on your property or you accidentally damage someone else's property.
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Loss of Use – Pays for temporary housing if your home becomes uninhabitable after a covered loss.
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Other Structures – Covers detached garages, sheds, fences, and other structures on your property.
Optional Add-Ons:
Flood insurance, earthquake coverage, scheduled jewelry/valuables, water backup coverage, and identity theft protection.Â
Who Needs It:
Every homeowner — and it's typically required by mortgage lenders.Â
Why It Matters:
Without proper coverage, a single fire, storm, or lawsuit could wipe out years of home equity. We'll help you find the right coverage limits so you're never underinsured.Â
Get a free home insurance quote in minutes.Â
Personal Auto Insurance
Auto insurance is required by law in nearly every state — but the right policy does more than check a legal box. It protects you financially after an accident, theft, or unexpected event on the road.Â
What's Typically Covered:
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Liability Coverage – Pays for injuries and property damage you cause to others in an at-fault accident.
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Collision Coverage – Repairs your car after a collision, regardless of fault.
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Comprehensive Coverage – Covers theft, vandalism, weather damage, and other non-collision incidents.
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Medical Payments/Personal Injury Protection – Covers medical bills for you and your passengers.
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Uninsured/Underinsured Motorist Coverage – Protects you if you're in an accident with a driver who has little or no insurance.
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Roadside Assistance & Rental Reimbursement – Optional add-ons for towing, lockouts, and rental cars while yours is repaired.
Who Needs It:
Anyone who owns or drives a vehicle. Coverage needs vary based on your car's value, driving history, and how much you drive.Â
Why It Matters:
The right policy balances strong protection with an affordable premium. We shop multiple carriers to find you the best rate without sacrificing coverage — and we look for discounts you may be missing (safe driver, bundling, low mileage, and more).Â
Compare personal auto quotes from top-rated carriers today.Â
Personal Life Insurance
Life insurance provides a financial safety net for your loved ones, helping cover lost income, debts, funeral costs, and future expenses like your children's education if the unexpected happens.Â
Types of Coverage We Offer:Â
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Term Life Insurance – Affordable coverage for a set period (10, 20, or 30 years) — ideal for covering a mortgage, income replacement, or raising children.
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Whole Life Insurance – Permanent coverage that lasts your entire life and builds cash value over time.
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Universal Life Insurance – Flexible permanent coverage with adjustable premiums and death benefits.
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Final Expense Insurance – Smaller policies designed to cover funeral and end-of-life costs.
What It Can Help Cover:
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Lost income for your family
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Mortgage and outstanding debts
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Children's education expenses
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Funeral and final expenses
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Estate taxes or business succession needs
Who Needs It:
Parents, homeowners, business owners, and anyone with dependents or debts they don't want to leave behind for others to manage.Â
Why It Matters:
Life insurance is one of the most affordable ways to protect your family's future — and premiums are often lower than people expect, especially when you're young and healthy.Â
Let's find the right coverage and term for your family's needs and budget.Â
Cyber Security Coverage
Cyberattacks aren't just a "big company" problem — small and mid-sized businesses are increasingly targeted because they often have weaker defenses. Cyber Insurance helps your business recover financially from data breaches, ransomware, and other digital threats.Â
What's Typically Covered:
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Data Breach Response – Covers costs of notifying affected customers, credit monitoring, and public relations after a breach.
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Ransomware & Cyber Extortion – Covers costs related to ransomware attacks, including negotiation and payment assistance.
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Business Interruption – Reimburses lost income if a cyberattack shuts down your systems.
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Legal & Regulatory Costs – Covers fines, penalties, and legal defense related to data privacy violations.
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Third-Party Liability – Protects you if a client or partner's data is compromised through your systems.
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Social Engineering Fraud – Covers losses from phishing scams and fraudulent wire transfers.
Who Needs It:
Any business that stores customer data, accepts online payments, relies on email/computer systems, or uses cloud-based tools — which today means nearly every business, regardless of size. This includes retailers, medical offices, law firms, financial services, contractors, and e-commerce businesses.Â
Why It Matters:
The average cost of a small business data breach runs into the tens of thousands of dollars — often enough to put an unprepared company out of business. Many general liability and property policies explicitly exclude cyber-related losses, so standalone Cyber Insurance is often the only protection available for these risks. Beyond covering direct costs, a policy also gives you access to expert breach-response teams who can help contain damage quickly and guide you through legal notification requirements.Â
Common Add-Ons:Â
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Reputation management/PR support after a breach
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Coverage for hardware replacement after an attack
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Employee cybersecurity training resources
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Multi-factor authentication and security assessment discounts
Don't wait for a breach to find out you're uninsured. Get a cyber liability quote today and protect your business's data, reputation, and bottom line.
Trucking Insurance
Trucking businesses face unique risks on the road, at the loading dock, and everywhere in between. Trucking Insurance is a specialized package of coverages designed for owner-operators, fleet owners, and freight companies — protecting your vehicles, cargo, and livelihood.
What's Typically Covered:
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Primary Liability Coverage – Covers bodily injury and property damage to others caused by your truck — often required to maintain your operating authority (MC number).
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Physical Damage (Collision & Comprehensive) – Repairs or replaces your truck and trailer after an accident, theft, fire, or weather event.
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Cargo Insurance – Covers the freight you're hauling if it's lost, damaged, or destroyed in transit.
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Non-Trucking Liability (Bobtail Coverage) – Protects you when driving the truck without a trailer or load, off-dispatch.
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General Liability – Covers incidents at loading docks, terminals, or other non-driving business operations.
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Trailer Interchange Coverage – Protects trailers you haul that are owned by another motor carrier.
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Uninsured/Underinsured Motorist Coverage – Protects you if you're hit by a driver without adequate insurance.
Who Needs It: Owner-operators, independent contractors, small fleets, and trucking companies — whether you haul general freight, refrigerated goods, hazardous materials, or specialized cargo.
Why It Matters: Trucking carries higher stakes than typical commercial auto — larger vehicles, heavier cargo, and stricter federal/state regulatory requirements (including FMCSA filings). The right policy not only keeps you compliant and on the road, but also protects your business from claims that could otherwise be financially devastating.
Tell us about your fleet and hauls, and we'll build a trucking policy that keeps you compliant, covered, and moving.
Disability Insurance
Your ability to earn an income is likely your most valuable financial asset — yet it's often the most overlooked risk. Disability Insurance replaces a portion of your income if an illness or injury prevents you from working, helping you keep up with everyday expenses when you need it most.
Types of Coverage We Offer:
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Short-Term Disability (STD) – Provides income replacement for a limited period (typically a few weeks to six months) after an injury or illness, including many pregnancy-related leaves.
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Long-Term Disability (LTD) – Provides income replacement for extended periods — sometimes years, or until retirement — for more serious or chronic conditions.
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Individual Disability Insurance – A personal policy you own directly, which stays with you even if you change jobs.
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Group/Employer-Sponsored Disability – Coverage offered through your workplace, often supplemented with an individual policy for additional protection.
Who Needs It:
Anyone who relies on a paycheck to cover living expenses — especially self-employed individuals, business owners, and those without strong employer-provided coverage. It's particularly important for primary earners and households with limited savings.
Why It Matters:
Studies consistently show that more than 1 in 4 workers will experience a disability lasting 90 days or longer before retirement age. Without income protection, a single serious illness or injury could jeopardize your savings, your home, and your family's financial stability.
Let's review your income, expenses, and existing coverage to find a disability policy that protects your paycheck.
Not sure which product is right for you? Reach out — Ken will help you identify the coverage that makes sense for your situation.
Your Trusted Independent Insurance Agent
Ken Moreno is a licensed independent insurance agent serving individuals and businesses across Michigan and Ohio. Unlike captive agents who represent a single carrier, Ken has the flexibility to shop multiple insurers to find the right fit for your unique situation — whether you're a small business owner, a fleet operator, a contractor, or a family looking for the right personal coverage.
With a focus on commercial insurance and a full suite of personal insurance products, Ken is your single point of contact for comprehensive protection.
Commercial & Personal Coverage
From business policies to home and auto, we've got you covered.
Independent & Unbiased
We shop the market so you get the best value for your coverage needs.
Personal Service
No automated systems. Ken works directly with every client, starting with a one-on-one consultation.
Industries We Serve
Ken Moreno specializes in commercial insurance for industries where risk management is critical. If your business operates in any of the following sectors, we understand your world — and we know how to protect it.
Trucking
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Commercial Auto Fleet
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Small Business
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Apartment Buildings
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Handyman, Cleaning & Janitotial Services
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Painters
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Liquor Liability
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Pest Control
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Restaurants
Don't see your industry? Many of our products apply broadly across commercial sectors. Reach out and let's talk about what coverage looks like for your business.
Why Work With an Independent Agent?
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You get options. As an independent agent, Ken isn't locked into one carrier's products. He compares policies across providers to find the best coverage at the right price.
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You get advocacy. Ken represents your interests — helping you understand your policy, navigate claims, and make informed decisions.
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You get a real person. No call centers, no runaround. When you work with Ken, you have a direct line to someone who knows your coverage inside and out.
Proudly Serving Michigan & Ohio
Ken Moreno is licensed and operating in Michigan and Ohio, with deep familiarity with the businesses, communities, and insurance regulations in both states. Clients outside these areas are welcome to reach out — every great relationship starts with a conversation.
Let's Start the Conversation
Ready to protect what matters most? Fill out the short form below and Ken will reach out personally to schedule a consultation at your convenience. No pressure — just a straightforward conversation about your needs.
Call or Text: (734) 506-6510
Email: ken@cdgcom.com
Michigan & Ohio | Independent Agent | Licensed & Insured