Our Philosophy & Approach

We Cultivate Relationships That Last.

Most of our clients have been with us for over 10 years. Why? Because regardless of what service category we’re working within – Risk Management, Commercial Insurance, Personal Insurance, Benefits or Financial Services – our philosophy is the same – Build, and constantly fortify, lasting relationships based on value, integrity and trust. Our DreamKeeper Asset Management & Protection Program provides the formalized processes that enable us to remain true to this philosophy.

We Take Our Time.

As old fashioned as it may sound, we take the time to do things right the first time. The information we gather as we develop your plan provides a solid knowledge base upon which we design a proactive Risk Management Program – a program that will protect your assets at a competitive cost as part of a comprehensive Asset Management Program. We educate our clients to enable them to make conscience buying decisions – the only way to foster total confidence that the plan will work optimally for them.

We Free You Up!

Our pro-activity, organizational structure and services work together to make the handling of your Plan as easy and pleasant as possible by transferring the responsibilities involved in managing your insurance program from your staff to ours.

“J. Krug is the educating insurance and consulting firm that offers an involved approach and outlook that provides assurance, long-lasting security and meaning to their relationships. This hands-on practice goes far beyond just dollars and cents.”

Our Approach

If there was ever a business that erases the imaginary line between business and personal dealings, it’s J. Krug & Associates. Everyone at J. Krug & Associates does take their business relationships personally, as reflected in the DreamKeeper Asset Management & Protection Program format within which we operate.

Isn’t that what it comes down to, regardless of how complex or basic our Insurance and Investment Portfolios are – safekeeping our dreams? You’ll find our approach is fundamental indeed, but it’s exciting in that we’re focused on desired outcomes from the get-go and never lose sight of them as we help you deal with life’s realities along the way.

What sets J. Krug & Associates apart is the care and enthusiasm with which we work shoulder to shoulder with you to turn that Plan, that pathway to your dreams, into those college educations, that secure retirement, that vacation house, etc., while minimizing your exposures.