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Kindness Can Be the Driving Force in the Insurance Brokerage Industry

Get a unique broker experience where clients and kindness come first.

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As an independent brokerage, we are here to help you find quality coverage.

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KGU, LLC

We strive to change the world with one kind word at a time.

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Kindness

KGU, LLC is a wholesale broker ready to serve your agency, with in-depth knowledge and insight into specialty insurance solutions for hard-to-place risks. We are proud to be your agency’s source for unique insurance products from our selected carriers.

Integrity

KGU’s focus centers on our commitment to being a client-first-kindness-first organization by creating a wholesale insurance experience offering competitive and unique programs delivered by experienced and kind professionals in a technologically savvy environment.

Driven

Our team of hand-selected, experienced insurance brokers is wholly committed to the core values of kindness, integrity, and the drive to create a unique, client-first broker experience. We have decades of insight into the industry and ties to over 20 excess and surplus lines carriers to help you find unique coverage options for your agency.

A Wholesaler Brokerage Working for Your Agency

What sets our brokerage apart:

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  • We have access to unique insurance products and carriers.
  • We are licensed across North Carolina, South Carolina, and Georgia.
  • We listen to your agency’s needs to help you find the right solutions.
  • We treat you with the utmost kindness because we truly care.
  • We invest in the most advanced technology to keep up with the ever-changing industry.

Bringing Your Agency Unique Insurance Products and Carriers

We focus on a variety of business insurance and personal insurance solutions for your agency. Our specialty focus is on commercial and residential coastal properties.

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Business Insurance

Coverage and risk management solutions for companies of all sizes.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Our Insurance Specialties

While we offer a wide range of coverage options for your agency, we have a strong focus on insurance for coastal properties, including office buildings and homeowners associations. Request information on our coverage solutions.

Commercial Property
Insurance
Flood
Insurance

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How Our Brokerage Serves Your Agency

Our client-first, kindness-first theory is the benchmark of our mission. Every day, we work for you, striving to be the broker with unique options delivered by trained professionals selling need-based products in a technologically savvy environment.

Who We Are

The KGU Keys to Success

We do things differently to bring you a unique brokerage experience.

Trusted Team

Our unique work experience provides work/life balance, flexibility, and savvy technology so our team can better serve you.

Technology Driven

We invest in top-shelf technology with our focus on the leading edge of the ever-changing industry.

Client Focused

We put you first, listen to your insurance agency’s needs, and offer unique insurance products and carriers.

Serving Clients Across 3 States

Headquartered in Morehead City, NC, we offer wholesale brokerage services to insurance agencies across North Carolina, South Carolina, and Georgia. Get started today.

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Team - Kasey Vaughn
CEO/Underwriter, KGU

Meet Kasey Vaughn

  • Brings 20+ experience to the wholesaler insurance industry.
  • Holds a bachelor’s degree in finance from East Carolina University.
  • Was the president of the North Carolina Surplus Lines Association (NCSLA) in 2019.
  • Has been on the board of directors for the NCSLA since 2016.
Interactive Graphic

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

Property Manager
Errors and Omissions Insurance (E&O)
Risk Factor

Property management firms have many exposures that can lead to a lawsuit. Dealing with boards of directors, owners, residents, employees, vendors, and regulatory authorities can and often does lead to lawsuits.

Solution

Errors and omissions liability insurance protects property management firms if a client alleges that you were professionally negligent or failed to perform professional duties.

Commercial Property Insurance
Risk Factor

Property management firms may face serious financial consequences from property loss by fire, wind or other causes.

Solution

A business owners policy (BOP) or package policy providing commercial property insurance will provide coverage for damage to a building you own, along with coverage for personal property and income lost due to a covered cause of loss.

General Liability
Risk Factor

Property management firms can be sued for injuries or property damage at their office and sometimes at the properties they manage.

Solution

General liability insurance is an absolute necessity for any property management firm. It provides coverage for legal fees and judgments when the firm is named in a covered lawsuit for bodily injury, property damage, associated medical costs, and more.

Crime and Fidelity Coverage
Risk Factor

As a property management firm, you have access to your clients’ money. Illegal activity such as forgery or theft can occur.

Solution

Crime and fidelity coverage is designed to provide coverage for theft of not only money and personal property owned by the firm, but money that the firm has in their custody for their clients.

Cyber Liability Insurance
Risk Factor

Property management firms have exposures including the need for protection of privacy, data and financial information for their clients. Breach of data can result in costly fees and lawsuits for the association if held liable.

Solution

Cyber liability coverage covers fees and lawsuits resulting from the breach of personal data in the event your firm is liable.

Hired and Non-Owned Auto Liability Insurance
Risk Factor

Property managers must drive to the sites they manage regularly. Accidents can and do happen. If an employee were to get into an auto accident while working, the management firm could be named in a suit by the injured party.

Solution

If any automobiles are owned by the property management firm, a commercial auto insurance policy should be obtained. In addition, hired and non-owned auto liability should be maintained in any case to provide coverage in the event an employee gets into an accident while using their own car.

Property Manager Insurance 101

Make sure you cover the unique risks you face with property manager insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get quality coverage.
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  Contact KGU, LLC

As an independent brokerage, we are here to help you find quality coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Morehead City, NC

1402 Marsh Pointe
Morehead City, NC 28557

We offer wholesale brokerage services to insurance agencies across North Carolina, South Carolina, and Georgia.

Contact Us