Kelt, LLC, was founded by Edward (Ed) J. Chadwick who began his career in 1984 working for a Bellevue, WA, agency as a Producer specializing in Commercial Transportation Insurance. Two years later, Ed decided to move back to Yakima in order to join Chadwick Insurance, the family business. Six years later, Ed bought the business from his retiring father and continued growing the “Chadwick” brand which included opening up a third location in 2000.

With a solid brand presence and stellar reputation, Chadwick Insurance was targeted for purchase by a local agency, and Ed decided to merge his business with theirs. After working together for several years, Ed felt a calling to start a new venture and decided to focus his efforts on correcting what he saw was a deficiency within the commercial insurance industry.

Throughout his experience as a retail insurance agent, Ed had became frustrated by how the insurance carriers were delivering their products. Whether it was a company with pristine driver records burdened by unnecessarily high premiums or the simple lack of quality customer service he encountered time and time again, Ed believed there was a better way to serve the trucking industry as a whole. In 2012, Ed formed Kelt, LLC, a Risk Management Solutions agency. Intially a wholesale provider catering to hard-to-place-risk motor carriers, Kelt soon evolved into a full-service agency with two divisions:  Retail and Wholesale.

Call Ed today, and let him share with you what he believes is a better solution to just selling commercial insurance.


Because our goal is simple…to help you lower your risk management costs. It’s our belief that taking control of things you can control will lower your overall Risk Management costs.

We offer a comprehensive range of services, such as reviewing your current policy to identify areas of need. We will help you with your loss prevention services which includes evaluating driver files, conducting safety reviews to assist with DOT compliance, and helping you choose the best coverage options for your specific situation. We pride ourselves on our superior customer service and look forward to the opportunity to serve you!

We partner with several providers to offer a total perspective of the types of coverages available to your company. Whether you have 1 truck or 100+ trucks, we will determine the best program based on your specific needs.

Our team has successfully managed millions of commercial fleet vehicles for over 34 years. That type of longevity has its perks as we have the experience to determine the best course of action to limit your risk exposure. This will drive down your premium costs while improving your productivity. We also stay up-to-date on the latest trends and technology for managing commercial vehicles and pass along this knowledge to our customers.

We know that “life” can happen at any time and not just between 8am – 5pm. That is why we are available to you when you need us. Send us a message, and someone will get back to you promptly.

States served…

If your company is domiciled in any of the following states, call us today to obtain an insurance quote!

A few of our partners…