Comprehensive Products for Protection
Coverage designed to fit your business, property, and everyday needs.
Business Owners Policy (BOP)
All-in-one protection for your business.
Coverage in One Policy
A Business Owners Policy combines general liability and commercial property insurance into a single, cost-effective package. Ideal for small to mid-size businesses, a BOP protects your physical assets, covers third-party bodily injury and property damage claims, and can include business interruption coverage to keep you afloat if operations are disrupted.
Who Needs This?
Retail shops, offices, restaurants, contractors, service businesses, and most small to mid-size commercial operations.
Commercial Auto
Keep your business moving—safely covered.
Keep Your Business on the Road
Commercial auto insurance covers vehicles used for business purposes—from a single company car to an entire fleet of trucks. It protects against liability, collision, comprehensive damage, and uninsured motorists. Personal auto policies typically exclude business use, making commercial auto essential for any business that operates vehicles.
Who Needs This?
Trucking companies, delivery services, contractors, sales reps, and any business with company-owned or employee-driven vehicles.
Event Insurance
Protect your event from the unexpected.
Coverage for Every Celebration
Event insurance provides liability and cancellation coverage for one-time or recurring events. Whether you're hosting a corporate gathering, a wedding, a trade show, or a community event, this coverage protects you from third-party injury claims, property damage, and unexpected cancellations due to covered causes.
Who Needs This?
Event planners, venues, corporate event organizers, nonprofits, and anyone hosting a public or private event.
Personal Home Insurance
Your home is your biggest asset—protect it.
Keeping Your Home Protected
Homeowners insurance covers your dwelling, personal belongings, and liability exposure in one policy. It protects against fire, theft, storm damage, and more. Renters insurance is also available for those who don't own their home but still need to protect their belongings and personal liability.
Who Needs This?
Homeowners, renters, and condo owners across Michigan and Ohio.
Personal Auto Insurance
The right coverage for how you drive.
Confidence Behind the Wheel
Personal auto insurance protects you, your passengers, and your vehicle. Coverage options include liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments. As an independent agent, Ken shops multiple carriers to find the right balance of coverage and cost for your driving profile.
Who Needs This?
Individual drivers and families in Michigan and Ohio.
Personal Life Insurance
Secure your family's financial future.
Decide Today for Tomorrow
Life insurance ensures your loved ones are financially protected if something happens to you. Options include term life (coverage for a set period) and permanent life (lifelong coverage with a cash value component). Ken helps you evaluate your needs and find the right policy type and coverage amount for your situation.
Who Needs This?
Individuals, parents, business owners, and anyone with financial dependents.
Cyber Security Coverage
Protect your business from digital threats.
Stay Prepared for Digital Threats
Cyber liability insurance covers your business against the financial fallout of data breaches, ransomware attacks, and other cyber incidents. Coverage typically includes breach response costs, legal fees, notification expenses, and business interruption losses. As cyber threats grow, this coverage is increasingly essential for businesses of all sizes.
Who Needs This?
Any business that stores customer data, processes payments, or relies on digital systems — especially small businesses that may lack dedicated IT security.
What Clients Say
Frequently Asked Questions
Ken is available Monday through Friday, 9 AM to 6 PM Eastern. For urgent matters, you can also reach out via email at ken@cdgcom.com and expect a response within one business day.
Weekend availability is limited but Ken does his best to accommodate clients with busy schedules. Reach out via phone or email to arrange a weekend consultation if needed.
Ken primarily conducts business in English. If you have specific language needs, please reach out and we will do our best to accommodate you.
Ken Moreno is a licensed independent insurance agent in the states of Michigan and Ohio. Clients outside these states are welcome to reach out — we can discuss options and referrals.
A captive agent represents a single insurance carrier and can only offer that company's products. As an independent agent, Ken works with multiple carriers — giving you more options, better pricing, and unbiased advice tailored to your needs.
Simply call, email, or fill out the contact form on this page. Ken will schedule a free, no-pressure consultation to understand your needs and walk you through your coverage options.
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