Louisville Business Insurance

Running a business in today’s world can be both challenging and rewarding.  Business Insurance is an important part of your portfolio.

It doesn’t matter how big or small your business is, we can protect you.  We will tailor a plan that will fit your business needs and goals.

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Business Insurance FAQ

How much liability insurance do I need?

Our policy’s minimum liability limit is $300,000.  Most people don’t know that the difference between $300,000 and $1 million is minimal.  We usually recommend no less than the $1 million.  Your liability limit is one of the most important coverage’s on your business policy.  This is your devastation coverage.  You definitely need to cover the net worth and/ or valuation of the company.  We will help you step by step through this process to make sure you have enough to protect your business.

Do I need Workers Compensation?

In the state of Kentucky, if you have employees you have to have worker’s compensation.   If you are a contractor, sometimes the general contractor you are doing work for will require you to carry worker’s compensation as well.

What is not covered under a typical business policy?

This really depends on the policy.  There are some standard exclusions most policies.  The most common are intentional acts, nuclear hazard, flood, and deterioration.  We will make sure that you fully understand your policy coverage’s when you get a quote from us.

What affects my premium?

There are many factors that determine your rate.  Location, policy amount, type of business and prior losses are a few of the factors.  The number of employees is also a big factor in most contractors’ policy