Is Kelly Klee a Good Choice for Auto Insurance?

Last Updated on October 22, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 22, 2026 How we fact-check

Kelly Klee was a private client insurance brokerage: a Colorado firm that placed coverage for high-net-worth households on luxury vehicles, collector cars, high-value homes, valuables and personal liability. It never issued policies itself. The reason this page reads as a record rather than a shopping guide is that the name no longer has a website of its own. As of October 6, 2026, kellyklee.com forwards to frpprivateclient.com, the private client practice of a different brokerage.

The first thing to be clear about: Kelly Klee was never an insurance carrier. It was a broker. A broker places your policy with an insurance company, helps you build the coverage plan and manages the program over time, and the company that issues the policy is the one that pays the claim. If you have an old Kelly Klee policy in a drawer, the name on the declarations page is the company to contact, not Kelly Klee.

What It Was	A private client insurance brokerage, not an insurance company. Founded in 2014 in Colorado; licensed in 50 states as of 2018
Status of the Name	kellyklee.com redirects to frpprivateclient.com, checked October 6, 2026. No site of its own, and no announcement of a sale or merger that we could find
Best For	Drivers with luxury vehicles, collections, multiple homes, valuables, and higher liability needs
Not Ideal For	Drivers shopping for the cheapest minimum-liability policy or instant “click-to-buy” quotes
How You Bought	Consultation and a customized coverage plan; policies placed with a partner insurer
What You’re Really Paying For	Higher limits, specialized coverage options, and private-client service

Kelly Klee at a Glance

Kelly Klee was a private client insurance brokerage that placed customized auto coverage for high-net-worth households through partner insurers. The name no longer has a site of its own.

Quick facts

Status: no longer a broker you can use

What it was: private client insurance brokerage, not an insurer

Served: high-net-worth households, luxury and collector cars

Website: kellyklee.com forwards to FRP Private Client (Oct 6, 2026)

Claims on an old policy: the insurer named on your declarations page

Summary

Bottom line: Kelly Klee was a working private client brokerage. The coverage thinking on this page still holds for anyone with complex, high-value auto needs, but the Kelly Klee name is not a place you can shop today.

Kelly Klee was an insurance brokerage, never a carrier. It designed and managed customized coverage plans and placed the policy with a partner insurer, which suited luxury and collector vehicles, multi-vehicle households and higher liability or umbrella needs. Trade coverage in 2018 described it as a digital broker in the high-net-worth space, headquartered in Englewood, Colorado and licensed in 50 states. Today kellyklee.com redirects to FRP Private Client, and Hagerty’s agent directory lists Foundation Risk Partners, Corp doing business as Kelly Klee Insurance Services. Nobody has published an account of how that came about, so treat the name as a trading name now held elsewhere rather than a firm you can engage.

Best for

Luxury, exotic, or high-performance vehicles that needed higher repair standards
Collector cars or multi-vehicle households with more specialized coverage needs
Drivers who wanted higher liability limits and private-client style guidance

Not ideal for

Drivers shopping for the cheapest minimum-liability policy
People who wanted instant online, click-to-buy quotes
Shoppers who preferred a single, standardized carrier experience for claims and service

Table Of Contents

Kelly Klee at a Glance
What Happened to the Kelly Klee Name
What Is Kelly Klee?
Who Should Consider Kelly Klee for Auto Insurance?
Key Coverages to Ask About With High-Value Auto Insurance
Collector and Classic Cars: Is Kelly Klee a Fit?
Pros and Cons of Kelly Klee Auto Insurance
How to Get a Quote From Kelly Klee
FAQs About Kelly Klee Auto Insurance
Final Word on Kelly Klee Auto Insurance
Sources

What Happened to the Kelly Klee Name

If you came here because a Kelly Klee link stopped working, here is what can actually be verified, in order, and nothing beyond it.

What the firm was. Coverager’s report on Kelly Klee’s SEC Form D filing describes it as a semi-digital personal lines broker established in 2014 and based in Aspen, raising roughly $8 million. Insurance Journal, on October 4, 2018, called it “a digital insurance broker in the high net worth space”, headquartered in Englewood, Colorado, founded by “insurance technology pioneer Jon Kelly and private client coverage expert Bob Klee” and licensed in 50 states. That piece covered the launch of a customizable online coverage plan for private client insurance, which let a client see quotes for several assets at once, compare insurers and buy online.

What the web address does now. As of October 6, 2026, kellyklee.com forwards to frpprivateclient.com. That site is “FRP Private Client Practice | A Foundation Risk Partner Company”. It says it helps “prosperous Americans protect more than $1 billion in personal property and wealth”, offers “Luxury Vehicle Coverage—Protection that covers your vehicles and auto collections”, advertises “Access to A-Rated High-Net Worth Carriers” and carries one license number, California #0M93299. It does not mention Kelly Klee anywhere.

Where the name still appears. Hagerty’s agent locator carries a listing for “Foundation Risk Partners, Corp dba Kelly Klee Insurance Services” at 780 W Granada Blvd, Ormond Beach, Florida, with a kellyklee.com email address. So the name survives as a trading name used by Foundation Risk Partners, at least in one carrier’s agent directory.

What nobody has published. No press release, regulatory filing or trade report we could find says that Kelly Klee was bought, merged, absorbed or closed. The redirect and the Hagerty listing are facts. We found no public account of how the firm of 2018 became the redirect of 2026. You may see Kelly Klee described as “part of Foundation Risk Partners’ FRP Private Client practice”; no source we found goes that far.

If you are a former client. Your policy was issued by an insurance company, not by Kelly Klee, and that company is named on your declarations page. It is the one to call about a claim, a renewal or a cancellation. If you want the broker relationship picked up, FRP Private Client is where kellyklee.com now points.

What Is Kelly Klee?

Kelly Klee sold “private client” insurance, which is coverage built for people with more assets to protect and fewer cookie-cutter needs. The category has not gone anywhere, and it is worth understanding whoever you end up working with. Instead of insuring one car on its own, a private client program usually packages auto with higher liability limits, umbrella insurance, valuables coverage and tailored property coverage.

In practical terms, working with a private client brokerage usually means:

A dedicated advisor or risk manager who reviews your entire risk picture, cars included
Access to private-client carriers and policy forms that can offer broader protection than mass-market auto insurance
More customization for high-value vehicles (and often better options for collector cars)

Who Should Consider Kelly Klee for Auto Insurance?

A private client broker is generally a better fit when your situation is more complex than a standard policy was built for, which is the market Kelly Klee was built for. It is worth asking for a coverage plan if you:

Own a luxury, exotic, or high-performance vehicle that’s expensive to repair properly
Have a multi-vehicle household (or a garage that includes specialty and collector vehicles)
Need higher liability limits than a typical “standard” policy
Want a more concierge-style experience (policy changes, proof of insurance, adding new items, and proactive reviews)

If you’re trying to insure a premium vehicle with mass-market coverage, you may also want to read our breakdown on whether high-end and luxury vehicles need special coverage.

Key Coverages to Ask About With High-Value Auto Insurance

Coverage varies by insurer and state, but private client auto policies often stand out because of how they handle repairs, total losses, and lifestyle disruptions. Here are the top “ask about” items when comparing quotes.

Agreed Value and Total-Loss Payouts

Most standard auto insurance pays actual cash value after a total loss—which includes depreciation. For high-value and collector vehicles, that can be a problem. Many private client programs offer an agreed value option (or other enhanced valuation options) so you’re not stuck negotiating what the car was worth after a claim.

Before you buy, it helps to understand how insurers calculate a totaled-car payout, and how agreed value vs. stated value can change the outcome.

OEM Parts and Repair Standards

For many luxury vehicles, the repair standard matters just as much as the repair cost. Ask whether your quote includes OEM parts coverage after an accident (and whether there are time/age limits or exceptions).

New Car Replacement Options

If you drive a newer high-value vehicle, you may be able to add new car replacement insurance. This type of feature can help you avoid the “depreciation gap” after a total loss—especially when the replacement vehicle costs more than what you originally paid.

Rental Reimbursement and Trip Interruption

Mass-market policies often have low daily rental caps. Private client coverage may offer higher rental benefits, sometimes with more flexibility about the kind of replacement vehicle you can rent.

If you want to compare this properly, start with the basics: what rental reimbursement coverage is, plus whether your policy can help with emergency travel expenses after a covered breakdown or loss.

Higher Liability Limits and Umbrella Coverage

For high earners and high-asset households, liability protection is often the biggest reason to shop private client insurance. Consider higher bodily injury/property damage limits and ask whether an umbrella policy makes sense for your situation.

Here’s a practical guide on when it can be worth it to add umbrella coverage to your auto insurance.

Collector and Classic Cars: Is Kelly Klee a Fit?

If you own a classic, antique or collectible vehicle, you will usually want specialized coverage, especially around valuation, usage rules, storage requirements and claims handling. Collector business was part of what Kelly Klee did, and the name is still attached to it: Hagerty’s agent directory lists Foundation Risk Partners, Corp doing business as Kelly Klee Insurance Services as an agent for classic car coverage. Whether a given state, vehicle and usage pattern can be placed is still a question for the broker and the specialty market behind it.

If you’re new to collector coverage, start here: how to insure a classic or collector vehicle. If you want to shop around, compare options from the best collector car insurance companies.

Pros and Cons of Kelly Klee Auto Insurance

Buying through a private client brokerage feels different from buying direct from a mass-market insurer. These were the tradeoffs with Kelly Klee, and they are the same tradeoffs with any broker in this market.

Pros

Built for complex households: Great when you have multiple vehicles, high-value assets, and higher liability exposure.
Carrier access through one advisor: Instead of shopping each private client carrier separately, you compare options in one process.
Coverage features that matter for high-value vehicles: Better options around valuation, repairs, and lifestyle disruption (varies by carrier/policy).
White-glove service: More emphasis on proactive reviews and tailoring.

Cons

Not designed for “cheapest price” shoppers: Private client coverage is often higher priced because it’s broader and higher-limit.
Not instant-quote friendly: You’ll typically go through a consultation and plan-building process.
Coverage depends on the carrier: Claims are handled by the insurer that issues the policy, so your experience can vary based on which carrier you’re placed with.
Eligibility can be stricter: Some private client programs target higher-value homes and higher minimum coverage thresholds.

How to Get a Quote From Kelly Klee

There is no Kelly Klee quote form any more. A request sent to kellyklee.com lands at FRP Private Client, and you are free to take the same brief to any broker in this market, which is worth doing with more than one. Whoever you ask, go in prepared. You will usually want:

Your current auto declarations page (or current policy details)
Driver details (names, DOBs, license info) and addresses for garaging
Vehicle details (VINs, model/trim, usage/mileage, any modifications)
If you have a collection: appraisals, photos, storage details, and estimated values

Once you submit that, you will normally review a proposed plan, compare options and choose the coverage that matches your risk tolerance and budget. Ask for the insurance company behind each option in writing, because that is the name that will be on the policy and on the claim.

FAQs About Kelly Klee Auto Insurance

Is Kelly Klee an insurance company or an insurance broker/agency?

A broker. Kelly Klee never underwrote policies; it placed them with insurance companies, and the company named on the declarations page is the one that insures you and pays claims. Trade coverage from 2018 describes it as a digital broker in the high-net-worth market, based in Englewood, Colorado and licensed in 50 states.

Does Kelly Klee offer standard minimum-liability car insurance?

It focused on private client coverage built for higher-value assets and higher liability protection, so minimum-limits business was never the point. If you are shopping strictly for the cheapest minimum policy, a mass-market insurer is the better fit, and that was true when Kelly Klee was trading as well.

Can Kelly Klee insure luxury, exotic, and high-performance vehicles?

That was its market, and the coverage itself has not gone away. Private client auto coverage is commonly designed for higher-value vehicles and may include options like original parts replacement, agreed value-style valuation options, and higher rental reimbursement limits (availability varies by insurer and policy).

Can Kelly Klee help with collector car insurance?

It did place collector business when it was trading. Collector policies often have special rules about usage, storage, and valuation, so expect to provide more vehicle details, photos and value documentation whoever you ask.

Will Kelly Klee handle my claims?

Claims are handled by the insurance company that issued the policy, which was never Kelly Klee. A broker can guide you through the process, coordinate documentation and chase people on your behalf, which is worth a lot on a complex claim. If you have an open claim on an old policy, work from the company name on your declarations page.

What information do I need to get a quote?

Be ready with your current insurance declarations page, driver information, garaging addresses, and vehicle details (VINs, usage/mileage, modifications). For collector vehicles, you may also need photos, storage info, and value/appraisal documentation.

Is Kelly Klee worth it compared to buying direct from an insurer?

A private client broker can be worth it if you want a tailored coverage plan, higher limits, and options built for high-value assets—without shopping each private-client insurer one by one. If you want the fastest online purchase or the lowest minimum-liability price, buying direct from a mass-market insurer may be simpler. Kelly Klee itself is no longer one of the brokers you can take that to.

Is Kelly Klee still in business?

The name no longer has a business of its own that we can point you to. When we checked on October 6, 2026, kellyklee.com forwarded to frpprivateclient.com, and that site, FRP Private Client Practice, a Foundation Risk Partner company, does not mention Kelly Klee anywhere. Hagerty’s agent directory does list Foundation Risk Partners, Corp doing business as Kelly Klee Insurance Services, so the name is still in use as a trading name. We found no announcement of a sale, merger or closure, so it isn’t clear how that happened or whether the firm was acquired.

Final Word on Kelly Klee Auto Insurance

Private client coverage is worth considering if you have luxury vehicles, collector cars and real liability exposure, and you want a plan built around them instead of a standard policy. That is the market Kelly Klee was built for, and the questions on this page are the ones to take to whoever you end up working with.

If you are only after the lowest possible rate on basic coverage, mass-market insurers will serve you better. If your vehicles and your liability exposure are high-value, a private client plan is usually the smarter long-term move.

One piece of advice from me, learned the hard way on pages like this one. When a broker’s website starts forwarding somewhere else, do not assume your coverage followed it. Pull out the declarations page, find the insurance company’s name and phone number, and call them directly to confirm the policy is in force and who the agent of record is. A broker can change hands without telling you. The insurance company cannot quietly stop covering you, but it can leave you without anyone to call.

Sources

Checked October 6, 2026

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