Kapiloff Insurance is an independent agency that has been serving our clients for over 30 years. Our dedicated staff is trained to design a customized program for your business. Starting from husband and wife team in 1968 we have grown to a highly educated group of more that 25+ professionals. All of our Agents are required to be licensed and continuously educated on the ever changing insurance industry. Our employees are genuinely interested in providing solutions to your present and future insurance needs. Domestic Insurance Risk Management Insurance Carriers Insurance Service A driver who's unlucky or careless can maim or kill other persons and severely damage or destroy property. This deadly potential is a primary reason for having auto insurance. In fact, most states have versions of financial responsibility laws which require proof that you are financially able to pay for any damage that you may cause while driving. Insurance policies are the most common method of complying with these laws. More specifically, drivers are typically required to carry liability insurance at some minimal limit which varies by state. Bodily Injury Liability This covers damage or injury that you may cause to other persons. The key is that it involves your being held financially responsible for injuries to other persons as a result of the way you operated your car. This coverage does not apply to your injuries. Property-Damage Liability