Business Insurance in Kentucky

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What are the requirements for small business insurance in Kentucky?

State laws can affect which insurance policies you need for your small business. These policies are required for Kentucky businesses.

Workers' compensation insurance

Kentucky state law requires all employers – whether they are running a private or a government organization – to have a workers' compensation insurance policy in force. Even if your company has only one part-time employee, you are legally obligated to provide occupational injury coverage for that worker. This policy covers medical bills for work injuries and illnesses.

Commercial auto insurance

All business-owned vehicles in Kentucky must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Kentucky’s commercial auto insurance requirements are:

Bodily injury liability: $25,000 per person / $50,000 per accident
Property damage liability: $25,000 per accident
Personal injury protection: $10,000

Recommended insurance policies for small businesses in Kentucky

General liability insurance

This policy is important for all Kentucky businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.

BEST FOR

Customer injuries at your business
Damaged customer property
Libel or slander lawsuits

Professional liability insurance

This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.

BEST FOR

Work mistakes and oversights
Professional negligence lawsuits
Late or incomplete work

Cyber liability insurance

This policy helps Kentucky businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.

BEST FOR

Data breach lawsuits
Client notification expenses
Fraud monitoring costs

Business owner’s policy

This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Kentucky business.

BEST FOR

Customer injuries
Damaged customer property
Damaged business property

Workers’ compensation insurance

Workers’ compensation insurance is required for Kentucky businesses that have one or more employees. It can cover medical costs for work injuries and illnesses.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

Commercial auto insurance

This policy is required for business-owned vehicles in Kentucky. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

BEST FOR

Accidents involving business-owned vehicles
Theft of a business-owned vehicle
Damage to a company vehicle

Looking for different coverage? See more policies.

How much does small business insurance cost?

Business woman calculating costs of insurance.

Commercial insurance can be affordable for a small Kentucky business. Factors that influence the cost include:

Your industry and risk
Coverage limits
Location
Number of employees

View Small Business Insurance Costs

Insureon specializes in Kentucky business insurance

In Kentucky, insurance agents, agencies, and brokers are licensed by the Kentucky Department of Insurance. Insureon is licensed in Kentucky as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (DOI number 728102). Verify our licensure with the Kentucky Department of Insurance Agent / Agency Search: select Business Entity, DOI Number, and enter our DOI number.

What our customers are saying

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