Business Details
Your Trusted Insurance Partner in Sykesville, MD
JLK Insurance Group is a family-owned independent insurance agency dedicated to serving businesses, professionals, and families throughout the Mid-Atlantic region. With over 40 combined years of experience specializing in dental and oral surgery practices, we provide comprehensive insurance and financial services tailored to protect clients' practices, personal assets, and futures. Our team partners with top-rated carriers to offer customized solutions, including professional liability, workers' compensation, cyber liability, and personal umbrella policies. We prioritize customer care, leveraging industry-specific knowledge to address unique risks faced by dental professionals.Our mission emphasizes transparency, personalized service, and long-term relationships built on trust and reliability. Founded by Jack Kohlenstein and expanded under President Doug Kohlenstein, our agency combines entrepreneurial spirit with deep expertise in risk management. We actively engage with local communities in Sykesville, MD, and beyond, supporting charitable initiatives while maintaining a client-centric approach to insurance solutions.
Services
Professional Liability
Workers Compensation
Cyber Liability
Employment Practices Liability
Business Overhead Expense
Life Health Disability
Home Auto Watercraft
Personal Umbrella
Highlights and features
- We specialize in insurance solutions for dental and oral surgery practices with 40+ years of combined experience.
- Our independent agency partners with top AM Best-rated carriers for customized coverage options.
- We offer industry-specific expertise in cyber liability and data breach protection for small businesses.
- Our team provides personalized service with direct communication and follow-up from senior staff.
- We maintain long-term relationships with clients through transparent advice and risk management strategies.
What people say
Very professional
Thorough and detailed
Excellent follow-up
Highly recommend
Services
Professional Liability
Professional liability insurance protects dental practices against claims of negligence or errors in professional services. Our policies cover legal defense costs and settlements related to patient injuries or treatment complications. We specialize in customized plans for dentists and oral surgeons with access to top-rated carriers.
Cyber Liability
Cyber liability insurance safeguards businesses against financial losses from data breaches and cyber attacks. Our coverage includes notification costs, legal fees, and regulatory fines while helping practices implement security protocols. We address increasing risks targeting dental offices' patient data and digital systems.
Workers Compensation
Workers' compensation insurance covers medical expenses and lost wages for employees injured on the job. Our policies comply with state regulations while protecting employers from lawsuits. We help businesses navigate coverage options for varying state requirements and company structures.
Personal Umbrella
Personal umbrella policies provide additional liability coverage beyond standard home or auto insurance. Our specialized plans protect high-net-worth individuals and professionals from catastrophic losses. We offer exclusive group rates with enhanced coverage for dental practitioners' personal assets.
Business Overhead Expense
Business overhead expense insurance covers operational costs during a disability preventing practice operations. Our policies maintain cash flow for payroll, rent, and utilities while owners recover. We help dental professionals create continuity plans for temporary or permanent disabilities.
People
Jack Kohlenstein
Founder & CEO
Jack Kohlenstein founded JLK Insurance Group after starting in the industry through his father. With a marketing degree from Loyola College and entrepreneurial experience in landscaping, he specializes in dental practice insurance. He actively supports local charities in Sykesville, MD.
Doug Kohlenstein
President
Doug Kohlenstein leads as President with expertise in comprehensive insurance programs. A Towson University graduate, he focuses on client needs analysis and policy development. He maintains strong ties to Maryland's Eastern Shore and manages outdoor recreational activities with his family.
Questions
What insurance services does JLK specialize in for dental practices?
We specialize in professional liability, cyber security, workers' compensation, and business continuity insurance tailored specifically for dentists and oral surgeons.
How does JLK Insurance Group assist with cyber liability protection?
We provide data breach coverage and security protocols to protect patient information, addressing the 71% of cyber breaches targeting small businesses like dental practices.
What areas does JLK Insurance Group serve?
We serve Maryland, Washington DC, Delaware, Virginia, Pennsylvania, and West Virginia with personalized insurance solutions for businesses and professionals.
Can JLK help with personal asset protection for professionals?
Yes, we offer personal umbrella policies with exclusive group rates to protect high-net-worth individuals and dental professionals from catastrophic liability claims.
How does JLK handle business continuity during disabilities?
Our business overhead expense policies maintain practice operations during temporary or permanent disabilities, ensuring cash flow for essential expenses while owners recover.
