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KENTUCKY BUSINESS INSURANCE

A customized commercial insurance policy from Selective and your independent agent can help protect your operations.

Kentucky has a diverse economy driven by manufacturing, construction, and social services.

Whether your business operates in bustling urban centers like Louisville or the pastoral regions of Lexington, safeguarding it against general and industry-specific risks is essential.

With trusted agency partners strategically located across the state, you can depend on Selective to tailor a commercial insurance policy that aligns with the unique needs of your Kentucky-based business.

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BUSINESSES WE INSURE IN KENTUCKY

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve Kentucky businesses of almost any size, including, but not limited to:

• Contractors – general contractors (residential and commercial), glass and glazing, plaster and drywall, floor laying, metal erection

• Manufacturers and Wholesalers – wholesale durables, industrial machinery, furniture and fixtures, rubber and plastics, apparel

• Professional Offices – law firms, advertising agencies, medical offices, real estate agencies, architects, accounting firms

• Mercantile Services – building owners/lessors risk, retail food, retail goods, public golf courses

• Auto Services – including repair shops and body shops

• Consumer Assistance Programs – social services, senior living, religious organizations, municipalities, fire departments

Don't see your profession or want more information? Find a local independent agent in Kentucky for answers and a business insurance quote.

Kentucky Business Insurance from Selective

Selective and your independent agent can help you reduce risk and protect your business by customizing a business insurance solution tailored to you.

Business Interruption

Business interruption insurance helps protect your company against income loss in case of a covered incident that forces you to suspend business operations. This type of insurance also assists with rent or lease payments, relocation costs, employee wages, taxes, and loan payments until your business can reopen.

Business interruption insurance does not usually cover damages or losses from flooding, earthquakes, mudslides, and other natural disasters. However, there are additional coverages you can purchase to help protect against these risks.

Business liability insurance in Kentucky can help protect your company from liability claims, including allegations of third-party property damage, bodily injury, false arrest, reputational damage, and more. In addition to providing financial protection, commercial general liability insurance may help pay for legal fees related to lawsuits against your company and medical costs if someone sustains a bodily injury on your business property.

Commercial property insurance can help protect your physical assets, including furniture, inventory, and business equipment. It may also pay for repair or replacement costs in the event of losses due to fires, vandalism, or other covered risks that may damage your insured building or its contents.

Ensuring the safety and security of your assets is crucial for any company, as is keeping your business running after a loss, so talk to your independent agent about Kentucky business insurance from Selective.

“The online claims process was very user-friendly.”

Commercial Customer

Cyber Liability Insurance for Kentucky Businesses

Cyberattacks are a growing risk that all Kentucky businesses should prepare for. Selective's Cyber Liability Insurance can help protect your business against losses related to cybercrime.

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Cyber Liability Insurance for Kentucky Businesses

Get a Business Owners Policy in Kentucky

Selective offers a variety of insurance coverages and enhancements in Kentucky that can help address specific risks in your business, including:

Workers Compensation can help pay for medical treatment, rehabilitation, lost wages, and disability benefits if an employee has a work-related injury or illness. It can also help protect you as a business owner by helping pay for legal costs if an injured worker sues your business.
Commercial Flood Insurance in Kentucky helps protect your physical buildings or structures from flood-related losses, including damage to the foundation, walls, HVAC, wiring, and more. It can also protect you if there is a loss of contents, including furniture, equipment, inventory, and more.
Product Recall can help your business navigate product recalls, minimize financial losses, and pay for covered expenses such as hiring temporary employees or product disposal.
Management Liability Insurance is a suite of coverages that can help protect your business from financial losses not typically covered under standard commercial general liability policies. MLI coverages include Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability (FLI).
Commercial Auto Insurance can help protect your company vehicles and drivers on and off the road. It may also help pay for medical bills if you, your employees, or passengers are injured in an accident in which your company is at fault.

FREQUENTLY ASKED QUESTIONS ABOUT KENTUCKY BUSINESS INSURANCE

How Much Does Commercial Insurance Cost in Kentucky?

The cost of commercial insurance varies from business to business in Kentucky. Factors that can affect your cost include (but are not limited to) the number of employees, location, payroll, and the types of vehicles you own. Your local independent insurance agent can help you assess your risks and customize a commercial insurance policy to match.

Is Workers Compensation Insurance Mandatory for Employers in Kentucky?

Businesses in Kentucky must carry worker's compensation insurance if they employ one or more full-time, part-time, seasonal, or occasional workers. Without workers' compensation insurance, you may be held liable for all benefits provided under Kentucky law if an employee gets injured or becomes ill on your premises. A worker's compensation policy may also provide injured workers with a portion of lost wages if they take time off to recover.