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Business Insurance in Kentucky
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Required insurance policies for small businesses in Kentucky
State laws can affect which business liability insurance policies you need for your small business. These policies are required in Kentucky.
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?
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
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.
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