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Recommended insurance policies for small businesses in Kentucky
General liability insurance
General liability covers common risks for small businesses in Kentucky, including customer property damage and injuries. Commercial leases often require this policy.
- Customer injuries at your company
- Damaged customer property
- Copyright and defamation lawsuits
Errors and omissions insurance
This policy is also called professional liability insurance. It protects small professionals against lawsuits over mistakes, missed deadlines, and oversights.
- Work errors and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This policy protects Kentucky small businesses against data breaches and cyberattacks that affect your business or a client.
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Business owner’s policy
This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial coverage for a Kentucky small business.
- Customer injuries
- Damaged customer property
- Damaged business property
Workers’ compensation
Workers’ compensation insurance is required for all Kentucky small businesses that have employees. It can cover medical costs for work injuries.
- Employee medical expenses
- Wages lost while unable to work
- Lawsuits over employee injuries
Commercial auto insurance
This policy is required for vehicles owned by Kentucky small businesses. It covers injuries and property damage in an accident, along with other types of damage.
- Accidents involving business-owned vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
Looking for different coverage? Check out our other policies.
What are the insurance requirements for small businesses in Kentucky?
Workers' compensation insurance
Kentucky state law requires all 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.
Commercial auto insurance
Vehicles owned by small 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 small business insurance cost?
Commercial insurance can be affordable for a small Kentucky company. Factors that influence the cost include:
- Your industry and risk
- Coverage limits
- Location
- Number of employees
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.