Small Business Insurance in Kentucky

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Get a Quote Instantly

    Finding out what insurance policies your Kentucky business needs can take a lot of time. You can use our online assessment tool to find out what you need right away.

  • Get Expert Advice from Our Team of Advocates

    Our team of experts knows every answer to your insurance questions. You can connect with us online or talk to us on the phone anytime you are baffled by insurance requirements and laws in KY.

  • Never Worry About Compliance with Kentucky Laws

    By Kentucky law, anyone who employs one or more persons, whether part-time or full-time, requires Workers' Compensation. The state also requires all drivers to carry Commercial Auto Insurance. The CoverWallet team can assist you with both.

  • Your Insurance Improves as Your Business Grows

    When your business grows, your services may change to meet customer expectations. Our team can assist with adjusting your coverage and make sure your business is fully protected.

Coverage Plans for All Your Needs

Starting a business in Kentucky opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.

BASIC

Essential coverage for your Kentucky business

General Liability

From
29
Month
Instant quote »

Includes:

  • Bodily Injury
  • Damage to third party property
  • Personal Injury
Get BASIC plan

STANDARD

When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

From
39
Month
Instant quote »

All basic plan benefits and:

  • Lost business income
  • Loss or accidental damage to:
    • Business equipment
    • Valuable papers and records
Get STANDARD plan

PRO

When you also have at least one employee

General Liability + Property and Workers Compensation (WC)

From
39 *
Month

* Plus Workers Compensation

Instant quote »

All standard plan benefits and:

  • Coverage for work-related accidents and diseases and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery
    • Legal fees
Get PRO plan

CUSTOM

When you have specific requirements

Including Commercial Auto, Surety Bonds, Umbrella, etc

From
___
Month
Instant quote »
  • Choose your coverage

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

Whether you’re looking to satisfy Kentucky requirements with workers comp and disability insurance or know insurance is the only way to protect your finances, we’ve got you covered.

General Liability

General Liability insurance covers financial losses, and the cost of the damages incurred from property damage, personal injury, slander and libel. Your basic General Liability covers the cost of defense or settle claims even when they are fraudulent.

Property Insurance

All commercial property owners, including those who work at home or lease a space, need Commercial Property insurance. This insurance covers your business against damage from theft, fire and other hazards.

Workers Compensation

Workers' Compensation insurance provides injured workers on the job with medical expenses, lost wages and even compensation for permanent disability. Almost every worker needs Workers' Comp in Kentucky, including railroad workers and maritime workers.

Commercial Auto

It is estimated that one in four workplace deaths are due to vehicular accidents. Any business who uses cars, trucks, trailers or any type of vehicle will want the protection offered by Commercial Auto insurance.

Liquor Liability

If you sell alcohol or liquor on site, you are responsible for your customers' actions. It may seem unfair if someone sues you for drinking alcohol and any accident or damage to property that occur as a result. Liquor Liability insurance protects your business from these events.

Errors & Omissions

Errors & Omissions insurance covers businesses with protection regarding a mistake made while delivering professional services. It is a must if your business provides professional advice or contracting services.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

Frequently Asked Questions

How much Commercial Liability insurance in Kentucky should I carry?

Each situation is unique; therefore, the type of business you operate or the products you produce determine how much Commercial Liability insurance you need. A good rule of thumb for small business is around $500,000 to $1 million.

What are the minimum Business Insurance requirements in Kentucky?

If you own a property or valuable assets, a General Liability insurance is mandatory for your Kentucky small business.

How are premium costs assessed in Kentucky?

Premium costs are assed on a number of factors like the type of business, the service you provide, the number of people you employ and how many years you've been in the business.

Do I need Workers Compensation insurance in Kentucky?

By law, Kentucky will require you to carry Workers' Comp if you employ one or more persons. It doesn't matter if the employees work part-time or full time.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

why coverwallet

Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

We are making headlines!

Already insured?

No worries, keep your insurance, just get an account with us to manage your policies, certificates of insurance and more

Get CoverWallet »

Need help? Get free advice

Understand in 10 seconds what type of insurance your industry needs, and why

Insurance Assessment »

The Power Behind CoverWallet

Algorithms, Science, Magic
Customized, Intelligent Application
State of the Art Technology

Algorithms, Science, Magic!

You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

Customized, Intelligent Application

We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.

State of the Art Technology

We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.

Are you ready to get down to business?

Start your application and get a free quote in minutes or call (646) 844-9933 anytime.

References for Small Businesses in Kentucky

Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:

SBA Office of Louisville, Kentucky

600 Dr. Martin Luther King Jr Place Room 188, Louisville, Kentucky, 40211
Mon through Fri from 8:30 AM to 4:30 PM
(502) 582-5971
Visit the website

Kentucky Department of Insurance

215 W Main St, Frankfort, Kentucky, 40601
Mon through Fri from 8:00 AM to 5:00 PM
(800) 595-6053
Visit the website

Thanks! We will now guide you through our online application. It only takes a few minutes.