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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.
Essential coverage for your Kentucky business
When you also have at least one employee
* Plus Workers Compensation
All standard plan benefits and:
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 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.
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 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.
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.
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.
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.
If you own a property or valuable assets, a General Liability insurance is mandatory for your Kentucky small business.
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.
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.
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.
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.
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.
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.
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: