Albatross Insurance

Comparing insurance products can be overwhelming and confusing, but Albatross Insurance, an independent insurance agency, takes the complexity out of choosing the right insurance policy.

As the high-flying choice for home, auto, and business insurance, the company finds the best coverage tailored to clients' distinct requirements and circumstances under the leadership of its owner, Josh Kuhn.

“Big or small, I can insure it all,” says Kuhn.

His goal is to offer the same white-glove service that big companies receive—even to the smaller players. If the client is a local HVAC contractor or plumber with just a few trucks, he believes they deserve the same expert service as the guy with a fleet of 50. Simultaneously, he helps them grow into that bigger business.

Coming from a family of business owners, Kuhn instinctively understands client needs. He is more of an advisor than just an agent. When they have questions or exploring new directions, Kuhn offers guidance from their perspective—what it means for them today, and what it could mean two or five years down the road. As they progress, he aims to evolve right alongside them.

Kuhn’s key to crafting the right insurance solution lies in thorough fact-finding interviews. He dives into the essentials like clients’ revenue, payroll, vehicles and locations. Once these details are collected, he builds a policy that fits their actual needs. But it's not one-size-fits-all.

For example, if the insurance is for plumbers, one might handle only commercial projects, while another focuses solely on residential work. Though they fall under the same trade, the nature of their work, associated risks and insurance requirements are often different, so their policies should reflect that. That's why Kuhn always takes time to understand what they're doing now and what they plan to do in the future so he can create a roadmap together.

He makes sure clients meet any mandatory insurance requirements, especially for contractors and also digs into the kinds of coverage that actually protect them. A business pulling in $10 million in revenue shouldn't be operating on bare-bones coverage. The goal is to ensure their protection is never in question—not just meeting the minimums but going beyond them. Because if a major claim hits and they’re underinsured, it can seriously damage or even destroy the business. That’s exactly what Albatross Insurance aims to prevent.

In fact, one situation that really illustrates this involved a wholesale distributor whose delivery truck clipped a cyclist. The incident led to a five-million-dollar payout, maxing out both the one-million-dollar auto liability and a four-million-dollar umbrella policy. With six to eight million dollars in annual revenue, the business could've gone under without that extra coverage. Fortunately, his broker advised the insurer to pay the limits and helped the business avoid court and stay afloat.

When the client came to Albatross Insurance, the company took things a step further. Even with that significant loss on the client's record, it found a few carriers willing to take on the account and even save him some money. But more importantly, it brought in a payroll provider that also offered HR support and a comprehensive safety program.

Now, the client’s drivers go through a detailed on-road safety training program. The company also installed dash cams, updated their employee handbook, and implemented better onboarding practices for drivers. These changes completely changed the trajectory of his business. He's been claims-free for the past few years.

Just like the assistance provided in this case, Kuhn's experience in working with diverse businesses, learning what works, and building strong career relationships drives him to help business owners create lasting, claims-free success.