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Business Insurance in Kentucky
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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 injuries. Most commercial leases require this business liability insurance.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Libel and other advertising injuries
Professional liability insurance
This policy, also called errors and omissions insurance (E&O), protects professionals whose work depends on their expertise. It covers 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
- Customer notification expenses
- Fraud monitoring services
- Data recovery
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage 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
Kentucky requires workers' comp insurance for businesses that have one or more employees. It also protects sole proprietors from work injury costs that health insurance might deny.
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 vehicles
- Theft of a business vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
Kentucky business insurance requirements
State laws can affect which business insurance coverage you need. These policies are required everywhere in Kentucky, from Louisville to Lexington.
Workers' compensation insurance
Kentucky state law [PDF] 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 costs for work-related injuries and illnesses. It also provides disability benefits to injured Kentucky workers.
Commercial auto insurance
All business-owned vehicles in Kentucky must be covered by commercial auto insurance. This policy covers the cost of accidents in work vehicles.
Kentucky's minimum auto liability requirements are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- and $10,000 personal injury protection (PIP)
As another option, a business owner in Kentucky could opt for a policy with a single limit of $60,000 and basic reparations benefits (PIP).
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).
How much does small business insurance cost?
Commercial insurance can be affordable for Kentucky small business owners. Factors that influence the cost include:
- Type of business and its risks
- Business revenue and location
- The number of employees
- Types of insurance purchased
- Coverage options, such as deductibles
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Find the right policies and get your certificate of insurance
Insureon's licensed agents can help you find policies that fulfill Kentucky's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Kentucky, insurance agencies, agents, 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). To verify our licensure with the Kentucky Department of Insurance Licensee Search, select business entity, DOI number, and enter our DOI number.