Terrence Kloss

Your Life Protect LLC

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Office Hours

Monday - Wednesday:

9:30 AM - 6:00 PM

Thursday - Friday:

9:30 AM - 5:00 PM

Saturday - Sunday:


About Your Life Protect LLC

Your Life Protect LLC is your one-stop shop for insurance and asset protection with a focus on customer service. We offer all lines of insurance - home, auto, commercial, life, health, medicare, and Christian sharing plans. Too many agencies offer products strictly based on commission and have little product knowledge or poor customer service. We wanted to create a place where people will get concierge service and know they are getting the best policy at the lowest price in order to meet their needs. We strive to understand exactly what you are buying and why it is beneficial to you, allowing us to give you the proper help you need at a price you can afford. We broker for over 40 property and casualty companies and over 50 life and health companies, and bring the same know-how and expertise to each and every project we tackle.

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Why our clients choose us

We offer the following coverages for small businesses

through Coterie Insurance

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

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Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

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Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

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Insurance 101: Business Owners Policy (BOP)

Insurance 101: General Liability Insurance

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Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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