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Technology Business Insurance in Kentucky

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Recommended insurance policies for technology businesses in Kentucky

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What are the insurance requirements for technology businesses in Kentucky?

State laws can affect which policies you need for your technology business. These policies are required for Kentucky businesses.
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Workers' compensation insurance

Kentucky state law requires all technology businesses, even if they have only one part-time employee, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by technology businesses in Kentucky must be covered by commercial auto insurance. Kentucky state law requires:

  • Bodily injury liability: $25,000 per person / $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Personal injury protection: $10,000

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.

How much does business insurance cost for technology professionals?

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Commercial insurance can be affordable for a small Kentucky tech company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for Kentucky IT and technology professionals

Our agents are experts in insurance for Kentucky technology businesses. They can help you find policies that fit your company and fulfill state requirements. In Kentucky, insurance agents, agencies, and brokers are licensed by the Kentucky Department of Insurance.

TechInsurance 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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