Industries we specialize in
We work with businesses across many industries, with especially strong experience in:
Construction & Trades
HVAC, electrical, plumbing, roofing, excavation, general contractors
Professional Services
Consultants, accountants, IT firms, real estate
Restaurants & Retail
Food service, retail shops, manufacturing
Coverage Options
Commercial insurance products
Each page explains what the coverage is, when it's required, what it costs, and what it doesn't cover.
General Liability
Covers bodily injury and property damage claims. Required by most KY leases and contracts. Starting around $500/year.
Learn moreCommercial Property
Protects your building, equipment, inventory, and business income. Required by commercial lenders.
Learn moreCommercial Auto
Coverage for business vehicles and fleets. Personal auto policies exclude business use.
Learn moreWorkers Compensation
Required in Kentucky for most employers with 1+ employees. Covers medical costs and lost wages for on-the-job injuries.
Learn moreCyber Insurance
Covers data breaches, ransomware, and business interruption from cyber attacks. Starting around $500/year.
Learn moreSurety Bonds
Required for KY contractor licenses, notary commissions, and government contracts. 1–15% of bond amount.
Learn moreBuilders Risk
Covers buildings under construction, materials, and equipment on site during the build period.
Learn moreSpecial Event
Liability and cancellation coverage for weddings, festivals, and corporate events. Most KY venues require it.
Learn moreProfessional Liability
Errors & Omissions coverage for professional advice and services. Protects against negligence claims.
Learn more