We Are Insurance Advisors, Not Salespeople

At K.L. Hudson Insurance Agency, when we say we’re going to do something, we do it.

2777 Sheridan Drive, Suite 200, Tonawanda, NY 14150

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

K.L. Hudson Insurance Agency

Learn more about our agency.

We are a family-owned independent insurance agency that puts service first. We believe that customer service is of the utmost importance, which is why it’s the one thing we pride ourselves on. Serving Tonawanda, NY, and surrounding areas, we understand the unique risks you face and work with you to help protect you from them.

You won’t find any salespeople here. Our goal isn’t to just sell you on an insurance policy. We are insurance advisors first and foremost, which means we form a relationship with you by taking the time to get to know you and your individual needs. We want to guide you down the insurance path to help you find the right insurance at the right price to secure what matters most to you.

We are proud to serve Tonawanda, NY and surrounding areas, including Amherst, NY, Buffalo, NY, Williamsville, NY, Clarence, NY, and Niagara Falls, NY.

The Solution to Your Insurance Needs

The Solution to Your Insurance Needs

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

K.L. Hudson Insurance Agency + Erie Insurance

“Brittany Snyder was more than helpful, friendly, and a pleasure to work with. I would recommend going to her to find affordable insurance for home and auto!”

“I won't have to search for another company ever again. I've been with them for three years now and they always finds me the best coverage and the best rates.”

“They are all extremely knowledgeable and quick to answer any questions! They have saved us a ton of money on our insurance and have been a pleasure to work with!”

Real clients. Real reviews. Real coverage.

“Once again, Brittany and Kevin saved me money! I couldn’t suggest this agency any more! Give them a call, you won’t be disappointed!”

Our Clients Rave About Us

Check out our reviews and see why you should switch to K.L. Hudson Insurance Agency.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Your repair shop may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. For example, if a customer accidentally trips and falls while on the premises of your repair shop, you can become exposed to a potential lawsuit and held financially responsible for any injuries that result from the accident.

Commercial general liability insurance is an absolute necessity for every repair shop. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs.

When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your repair shop business.

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

The nature of your business means you’re responsible for valuable cars, trucks, and other automobiles. As a repair shop owner, you’re trusted to safeguard vehicles belonging to others. This responsibility brings with it potential liability of being held financially responsible for property damage caused to these vehicles while in your care, custody, and control.

You should purchase physical damage coverage, referred to as garagekeepers coverage, designed to help you protect your customers’ property and your business in the event that accidents, injuries, or property damage occurs. This protection covers the costs that arise from unfortunate and unforeseeable events, not bad workmanship, faulty parts, or warranties.

You’re constantly moving your tools from one area of your repair shop to another, exposing your business to potential loss due to damage or theft. And without your specialized tools and equipment, your repair job may come to a screeching halt.

You can purchase special equipment insurance designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects, and overturning.

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

As a repair shop owner, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.

Business auto insurance provides coverage for vehicles owned or leased by a repair shop and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Losses and lawsuits are quite common in the repair shop business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

Garage Repair Shop Insurance 101

Make sure you cover the unique risks you face with garage repair shop insurance.

Find even more interactive graphics for business owners insurance and restaurant insurance.

What Makes K.L. Hudson Insurance Agency Special

Service First

We value customer service, so if we say we’re going to do something, we do it.

Clients Love Us

We have over 50 five-star reviews thanks to the dedication we have to our clients.

Experienced Agents

With 25+ years in insurance, we know how to bring you quality coverage.

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Tonawanda, NY

2777 Sheridan Drive, Suite 200 Tonawanda, NY 14150

At K.L. Hudson Insurance Agency, our goal is to provide you with unmatched customer service, helping you find the right insurance coverage for your needs and acting as your advisor.

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