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KBK Insurance KBK Insurance Agency offers the trust, stability, and experience that people seek in today's ever changing world. Rely on KBK Insurance Agency to advise you and ensure that you are selecting the right insurance program for you. Our knowledgeable staff can help guide you through the important decisions that matter most concerning your insurance needs.

John Francis Kane started our local family insurance agency in 1908. Moreover 100 years and three generations later, KBK Insurance Agency is still a leader in providing quality insurance products and services to individuals, families and businesses throughout California.
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KBK Insurance Agency, with origins back to 1908 in the Pajaro Valley, provides insurance products and services to our customers in the Santa Cruz and Monterey County areas and throughout California. We are committed to providing our clients with comprehensive insurance programs that are tailored to meet their specific needs.
Whatever your personal insurance needs may be, KBK Insurance Agency has the resources and staff to provide you with a personal insurance program designed to match those needs. Our agency has changed since 1908, but our core belief of personal service that you and your family deserve has not. Our bilingual staff is available to meet with you face to face to review your policies, answer your questions, and address your concerns.
KBK Insurance Agency is a premier provider of commercial insurance products and services for business owners. Every business and the risks they face are different, at KBK we partner with you to build an insurance package that is suited for your businesses specific needs. Since 1908 KBK Insurance Agency has taken a partnership approach with businesses to develop and determine the most suitable combination of tailored insurance coverage to match their business goals and needs.We represent and have long lasting relationships with many of the top carriers in the State of California.
Workers Compensation Insurance is insurance coverage provided by employers for their employees. It is required by law that all employers carry Workers Compensation Insurance. This insurance comes into play in cases of injury, illness or death resulting from an occupational (on the job) accident. An employee shall be entitled to medical expenses and compensation for time lost from work.
Reviews (20)
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Chris Lint
Jun 07, 2022
Johnny Kane has been my insurance agent from day one when I started my business. Always a text or call away to get all the insurance certs I need. He recently went through each type of insurance I have with them and saved me money on all of them. He's top of his game and super easy to work with.
Evan Benevento
Jun 02, 2022
Professional, honest, diligent, relentless, intentional are all words that come to mind when thinking of John Kane IV, Jorge Fernandez and the rest of the KBK Insurance team. They are subject matter experts that can explain complicated insurance topics so even people like me can understand them. Johnny and the team will find the best insurance solution for your business or tell you if you already have adequate coverage with your existing carrier/broker. Highly recommend for your insurance needs.
Michael Galli
May 17, 2022
Johnny Kane at KBK insurance has been an awesome help with my insurance needs. Works in a timely manner and is prompt to returns calls/emails. I would recommend doing business with kbk for all your insurance needs.
Norma Navarro
Apr 24, 2022
Great experience with KBK Insurance, I spoke to Jorge who was extremely helpful. He was on top of everything, and was very understanding. He was fast and provides great service. Straight forward and easy to reach. Highly recommend KBK Insurance!
ClearedM
Apr 04, 2022
As a new entrepreneur, I needed expert advice on how to best insure my company. KBK surrounded me with a team of insurance specialists who set me up with the perfect plan. Whatever I needed, KBK took care of it and got it done in a swift manner. My company is now covered to sell online, in person, and on Amazon thanks to KBK Insurance.
Ricky Halward
Mar 15, 2022
KBK Insurance continues to provide excellent service and support to address all my business needs. Working with Johnny Kane IV has given my commercial business the necessary securities and resources available on the market while maintaining comparable competitive costs. His professionalism and acumen of insurance practices are by far the top tier of performance and has been a pleasure to conduct business with KBK Insurance Agency for my company.
Jairo Torres
Feb 10, 2022
As a new entrepreneur I am very thankful for the guidance and assistance with KBK Insurance. Made the process of obtaining my business insurance fast, easy and most importantly made me feel like family. John Kane took the time to explain in great detail my options for my new business and provided me with exact coverage for my currently needs. Also took the time to plan out for my company's future growth and I am set up for success now. Would highly recommend KBK Insurance with their high standards of professionalism and their amazing one-on-one attention that they give their clients.
Maurice Mickel
Feb 07, 2022
I do not want to sound cheesy, but I rarely leave a review. I own multiple rental properties and businesses for over a decade, and I have yet to receive the level of expertise and communication as I have received from KBK. I am sure there many other great brokers within the firm, but John Kane have nailed it, highly recommended.
Teen Kitchen Project
Jan 25, 2022
Johnny Kane handles multiple policies for Teen Kitchen Project. As the Executive Director, I am so grateful for the time and care Johnny takes to ensure we have our meal delivery program services, staff, board, volunteers, and properties covered at a fair rate. This year with Johnny's help, we saved over $3,000 alone on our Workman's Comp policy. If you know how high that particular policy can go with restaurant-type businesses, you understand the importance of gaining quality coverage at significantly lower rates- which is EXACTLY what KBK Insurance does for Teen Kitchen Project year in and year out!
Jennifer Devault
Jan 17, 2022
John has been helpful in more ways then one. He's a local and he knows everyone and everything about Watsonville. He saves us money every year on our insurance policy and has great recommendations for anything we need help with. He has been an awesome friend and an excellent asset to our small business. We appreciate him very much!
Monica H.
Sep 28, 2021
Thank you Jorge! You always give the best service. Personable, caring and you know your stuff.
Simmone G.
Apr 27, 2021
John Kane IV is who we have been using for all our business insurance related needs. John is very thorough, responsive, detail oriented, friendly and just a pleasure to work with. I am confident when I come to him for paperwork or even just answering my novice insurance questions that he will handle it in a timely matter and with professionalism. When I call in directly the front office staff is also always courteous and helpful. I really just can't say it enough that they are amazing! I definitely recommend John Kane IV and the KBK team for all your insurance needs.
Brando S.
Jul 23, 2019
I was lucky enough to be contacted by Johnny from KBK Insurance for my small business. The guy is awesome to work with and is always looking out for my business. Being a start up wild, a lot of this stuff can be new and daunting. But Johnny helped us out the whole way and worked with our needs. He was never pushy or "sales person" like. He also helped us with the insurance documents or bank needed in order for us to get our loan.

He knew exactly what they wanted and would communicate with the bank representatives directly, making my life way easier. A lot can be said, but KBK really takes care of you. We are happy to be customers, but it really feels like we are actually friends. Johnny, let's grab a beer!
Kate P.
May 22, 2019
Johnny has been so helpful to me as I launched a non-profit and I often recommend him to other folks in our community looking for help. He always responds quickly -- almost instantly! -- to my questions and helps me figure out just the coverage I need. I am so grateful to have found this insurance agency and Johnny!
Sandy H.
Apr 12, 2019
Johnny at KBK Insurance is great at communication. I am realtor and doing a commercial deal with Johnny. Instead of me calling him to check in on things, he will call me and give me updates. Keeping me informed along the way. Makes me look good and the deal go smoothly. Thanks again Johnny!
Krista A.
Nov 06, 2018
I couldn't ask for a better insurance agent- I'm a photographer- my gear is super expensive. Worse - I travel with it - so we have super expensive gear and not at a stand alone studio. Most insurance agents won't touch me and I had to have an out of state random person. I found Johnny through a referal and he got me a solid plan- extremely reasonable monthly rate with a very low deductible.

Plus I'm covered wherever I travel to- I know every day without worry that no matter what I'm always covered. I got the plan for peace of mind never thinking I'd need it. Until today I broke a $1500 piece of equipment. After hours Johnny replied to my email already starting my claim with a $250 deductible. This team is the best and truly experts in the industry. Why go anywhere else when you have experts in your back yard?
Julie R.
Aug 14, 2015
We use KBK for our personal and business insurance. These are the nicest group of people to work with. They are incredibly responsive, timely and professional. If you want to work with a great local business, this is the one!
Dj M.
Mar 11, 2014
I was in the market for business insurance and heard wonderful things about KBK and John Kane IV, so I had to check them out. John is very knowledgeable, he made the experience extremely easy and painless. I've been to other companies but none of them could compete with john Kane IV and the service he provides. I'm very pleased with the service and price I received. I highly recommend KBK and John Kane IV!
Brooke H.
Dec 30, 2013
John Kane IV gave my husband and I a great deal on our business insurance! He was able to beat out prices and provide us with additional coverage we hadn't had before. Super quick and thorough!
Lonna M.
Dec 03, 2013
Everyone I've dealt with has been great and their customer service is super. Judy got me a low cost auto insurance policy and I don't think they even make any money from it but she not only happily got me the insurance, she went the extra mile to get it reinstated when it got cancelled because I missed a payment. I highly recommend them.