Kyle Brouse, Salem Insurance Agency

Kyle Brouse, Salem Insurance Agency 🤝🏼 3rd-Gen Independent Agent in Oregon
🔨 Contractors 🏘️ Investors 🚀 Entrepreneurs
📍 Located in Salem | Appointments Open

Business is business. Relationships can make it tough, but doing due diligence on your business and speaking with someon...
05/23/2025

Business is business. Relationships can make it tough, but doing due diligence on your business and speaking with someone else shouldn't get in the way.

Let's talk through your insurance and I can perform a due diligence check for you.

Ready to get covered? 📝Swipe through to learn more about me, who I like working with, and why I believe in insurance. I'...
05/09/2025

Ready to get covered? 📝

Swipe through to learn more about me, who I like working with, and why I believe in insurance.

I'm ready to answer your questions and work together to insure your businesses, investments and give you peace of mind to pursue your goals.

👋🏼Welcome to my page!My name is Kyle Brouse and I am a 3rd-generation independent insurance agent based in Salem, Oregon...
05/08/2025

👋🏼Welcome to my page!

My name is Kyle Brouse and I am a 3rd-generation independent insurance agent based in Salem, Oregon with Salem Insurance Agency.

I enjoy helping contractors, commercial and residential property investors, and small business owners protect what they've worked hard to build.

I'm a husband and proud to three amazing daughters 💕.

This page is where I'll share real-world insurance advice, client success stories, and a little behind-the-scenes of life as a business owner, dad, and husband.

If you're a business owner or just want to better understand your coverage - follow along! DM me any time with questions.

You can also schedule an appointment with me using the link in my bio 🔗!

12/05/2024

One of the biggest coverage gaps I see for most businesses is employment practices liability insurance.

Most either don't have it or rely on a small sub-limit within their general liability for coverage.

12/04/2024

Only hiring insured subs could save you $50,000.

Hiring uninsured subs isn't a good shortcut. It doesn't save money.
Hiring day laborers or uninsured subs won't save you money.
Not tracking subs insurance won't save you money.
Skipping a sub agreement won't save you money.

A contractor faced a $50,000 loss (claim) after hiring an uninsured sub. The sub caused damage, they disappeared, and the GC was left with the bill.

Want to know how to protect your business and reduce costs?

Use a subcontractor agreement that's designed to protect you.
Only hire insured subs with proper insurance. No exceptions.
Require proof of insurance for every project and track it carefully.

12/03/2024

Bonds shouldn't be a barrier to bidding.

A contractor told me that they pass on jobs that require a payment and/or performance bond.

They weren't sure of the cost and thought the process would take too long.

We had a great conversation about their concerns and now they understand that bonds won't be a barrier.

We have quick-bond programs that get you approved within 24-48 hours and a short one-page application.

We can also help you establish relationships with a surety company, similar to a bank line of credit, that can help you with larger bond requirements.

11/26/2024

Two ways you hurt your business when checking for insurance:

1. You black out your premiums.
2. You send only your Declarations page of your current coverage.

The devil is in the details - the terms and conditions.

While reviewing a Professional Liability Insurance policy there was a detail missed.

For the policy to be valid, the insurance buyer was required to have a $1,000,000 crime policy.

They didn't have that. All the premium (5 figures) they were paying would have been for no coverage because they didn't comply with the requirements of the policy.

Be transparent, especially when you expect the same thing from the agent.

11/19/2024

Common risks that mid-sized businesses often overlook:

1. Cybersecurity risks.
2. Business interruption risks.
3. Employee-related risks.
4. Supply chain risks.
5. Regulatory and compliance risks.
6. Financial risks.
7. Intellectual property risks.
8. Strategic risks.
9. Crime-related risks.

Business insurance shouldn't be reactive. Your risks should be proactively managed.

Address

4680 Commercial Street SE
Salem, OR
97302

Telephone

+15035858001

Website

https://calendar.app.google/enzF9Xf2y6y9xtJj9

Alerts

Be the first to know and let us send you an email when Kyle Brouse, Salem Insurance Agency posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category