Welcome to Koba Capital insurance brokers, We're here to help you
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koba capital
(212) 204 8625

Info@kobacapital.com

Mon - Sat
09:00 AM - 05:00 PM

Friday till 01:00 PM

70-50 Austin St, Suite 111A

Queens, NY 11375

CONTACT US
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Frequently asked questions (FAQs)

At Koba Capital, we know insurance can be complex and overwhelming for most people. Our FAQs provide clear answers about our services, claims, policies, and required coverage in New York. We are here to guide you through every step and ensure your needs are fully protected.

About Koba Capital

Koba Capital is a licensed insurance brokerage based in New York. We help clients find coverage for both personal and business needs. Our team works with top carriers to deliver reliable and customized protection.
We prioritize personalized service and in-depth expertise in multiple insurance lines. Our brokers compare options across top carriers to ensure affordability and coverage. This allows us to design solutions matching your exact situation.
Our office is located in New York City, serving clients locally and nationwide. We are proud to support businesses and families across multiple states, especially in New York. Our team ensures compliance with each state’s insurance requirements.
No, we also serve clients throughout the United States. We help ensure policies follow local regulations in every state. Our approach makes insurance easier for individuals and businesses across regions.

Insurance Services

We offer a variety of insurance, from business, personal, property, health, and life insurance. We also offer specialized products, from exotic car insurance, professional liability coverage and more. Every plan is customized to fit your lifestyle or business needs.
Yes, we design strategies that combine personal and business insurance in one. This ensures seamless protection for all assets. Many clients benefit from a single approach that balances out costs and coverage.
Yes, we offer group benefits such as health, dental, disability, and life insurance. These solutions help employers attract and retain their team. Our team ensures benefit plans meet both employee needs and compliance standards.
Yes, bundling policies is a smart way to save on costs. It also simplifies account management with one point of contact. Our team ensures bundled plans maintain strong, consistent protection across all areas.

Claims and Support

To file a claim, you contact our dedicated claims support team. We guide you through the process and are there every step of the way. We also coordinate with your carrier to ensure efficient handling.
Yes, we offer round-the-clock claims support. Emergencies do not follow a schedule, so our team remains available. Clients can expect reliable assistance no matter the hour.
Resolution times vary depending on the claim type and insurance carrier. We work to accelerate every step of the process. Our goal is to minimize delays and quickly secure outcomes for our clients.
Yes, every client receives a dedicated claims specialist. Your representative tracks progress, answers questions, and communicates updates. This approach ensures consistent support until the claim is solved.

Policies and Coverage

Minimum coverage varies by policy type. Auto insurance requires liability, personal injury protection, and uninsured motorist coverage. Businesses may need workers’ compensation or disability insurance, depending on size and industry.
Yes, you can update policies during renewal or after life changes. Examples include marriage, property purchase, or business expansion. We make adjustments to ensure ongoing protection that meets your evolving needs.
Yes, we partner with several top-rated carriers. This allows us to provide flexible options for all personal and business needs. Clients benefit from competitive pricing and strong financial backing.
Yes, we help you compare quotes side by side. Our brokers explain the differences between coverage types and policy limits. We also provide professional recommendations to help you make confident decisions.

Specialized Insurance

Yes, we specialize in exotic car insurance. Our coverage includes agreed value, custom parts protection, and roadside assistance. We design policies that protect both the performance and value of high-end vehicles.
Yes, we offer Errors and Omissions coverage for professionals. This protects against claims of negligence, contract disputes, and service mistakes. Many industries in New York require this protection for compliance.
Yes, we provide term and whole life insurance. Our plans secure long-term financial stability for your loved ones. We also help you determine coverage amounts depending on personal goals.
Yes, landlords can protect rental properties, while tenants can safeguard personal belongings. Both options reduce risks from theft, damage, or liability. Our brokers design tailored solutions for property owners and renters.

Required Insurance in New York

Yes, all registered vehicles are required to carry liability insurance, personal injury protection, and uninsured motorist coverage. Without proof of insurance, registration may be suspended. Drivers must maintain coverage at all times.
Yes, businesses with at least one employee must carry workers’ compensation. This policy covers work-related injuries and medical expenses. Employers who fail to comply may face penalties.
Yes, New York law requires at least short-term disability insurance for employees. It covers non-work-related illnesses or injuries. Employers must secure this coverage to remain compliant with state laws.
No, life insurance is not legally required. However, it provides essential financial security for dependents. Many families choose it to prepare for unexpected loss.
It depends on your profession. Fields such as real estate, legal, and financial services often require this coverage. Even when not required, it protects against costly liability claims.

General Questions

You can request a quote on our website or by calling our office. We also connect clients directly with licensed brokers. Our team responds quickly with clear options.
Some policies may include broker fees, and all costs are disclosed upfront. We provide complete transparency about pricing. Clients never face hidden charges or unclear terms.
Our brokers review your lifestyle, business, or financial goals. We then recommend coverage that reduces risks and meets legal requirements. Every plan is tailored to your needs.
Yes, we create strategies that protect both personal and business assets. This includes customized coverage for property, liability, and income protection. Our approach provides full financial security.

Why Choose Koba Capital?

Koba Capital believes that insurance should be straightforward, supportive, and tailor-fit to cover your real-life challenges. We’re committed to fully understanding the demands of our clients while recommending the right coverage to keep you safe. When you partner with us, you’re getting an entire team that’s committed to your peace of mind and long-term success.

We go beyond simply offering insurance — we become your partner in protecting your legal practice. Our team works closely with you to design personalized coverage tailored to your needs, wants, business, health, status, and risk exposure. We stay ahead of industry changes to ensure your policy evolves with your needs, all while keeping premiums competitive and cost-effective. Most importantly, our responsive support team is here when it matters most. We provide knowledgeable, timely guidance and strong claims support so you can focus on your life, career, and business with confidence.

Whether you need guidance on coverage options, assistance with claims, or advice on New York insurance requirements, our team provides personalized support every step of the way.
 

Contact Koba Capital today for a personalized quote or speak with our licensed advisor to know more details on how we can help you.

Call Now ( 646 ) 543-KOBA