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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.
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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.

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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

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How much does small business insurance cost?

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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
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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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