We recognize that your needs and situation are unique. We spend the time to get to know you to make sure that you get coverage and support that fits your lifestyle.
No matter what the size is of your business you will need some level of insurance to protect you and your business. For small businesses, insurers often combine a number of insurance policies into a package sold as a single contract.
Workers' compensation is administered at the state level through the U.S. Department of Labor's Office of Workers' Compensation Programs. Every state requires employers to purchase workers' compensation insurance to help ensure that employees, affected by illness or injury, and their dependents, are protected against significant hardships in case of injury, illness, or death.
Life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.
It's your home and you want to protect it with the right homeowner's insurance policy. To do this it's important to understand what a standard homeowner's insurance policy includes. There are four key components consisting of:
Property and casualty (P&C) insurance is a type of coverage that protects individuals and businesses from financial losses due to damage or destruction of property and liability for injuries or damages caused to others. Property insurance covers the repair or replacement of assets like homes, vehicles, and personal belongings, while casualty insurance protects against legal liabilities arising from accidents, injuries, or damage to others' property. Together, P&C insurance helps safeguard your financial well-being against unexpected events.
No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.
Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
ABOUT KARDAR INSURANCE AGENCY
Our mission is to help our clients understand their insurance needs and make sure they’re covered for what matters most. We’re here to protect what they’ve worked hard for, providing guidance and peace of mind every step of the way.
Kardar Insurance Agency is a family-owned insurance agency dedicated to protecting what matters most. Founded in 2006 by Nikki Kardar, our agency was built on trust, relationships, and a commitment to serving our clients with personalized insurance solutions. After more than 15 years as a Farmers Insurance agent, earning multiple achievement awards, Nikki Kardar transitioned the agency to an independent model in 2024—expanding opportunities to better serve our clients with more choices and tailored coverage.
In 2010, Nikki was joined by her son, Bill Kardar, who brings an MBA in Finance from Pepperdine University and a background in banking and financial services. Together, they are strengthening the agency’s offerings, with Bill leading efforts to expand the commercial insurance division.
Before entering the insurance industry, Nikki successfully owned and operated multiple salons for Regis, earning top sales awards year after year. This experience instilled a strong customer-focused approach that continues to drive the agency today.
At Kardar Insurance Agency, we specialize in Home, Auto, Commercial, Life, and Medicare insurance. As an independent agency, we have access to a wide range of carriers, allowing us to find the best protection at the right value for each client.
Let us help you safeguard your future with the right coverage and the trusted guidance you deserve.
WE ARE HERE FOR YOU