General Liability Coverage

General liability coverage protects you and your business from a wide range of claims including bodily injury, property damage, personal injury and other damages arising from your business's operations.

Commercial Umbrella

When your business is the target of a lawsuit, all of your assets can be at risk. For example, if the cost of a claim exceeds the limits of your business's underlying primary insurance policies, Commercial umbrella insurance can extend coverage, adding an additional layer of insurance.

Umbrella policies are typically written over various primary liability policies, such as your Business Auto Policy (BAP) and Commercial General Liability Policy (CGL).

Commercial Property Coverage

Your business's physical assets may include buildings, inventory, and other valuable property.  Commercial property coverage is necessary to protect that property in the event that it is lost or damaged. It can also help defray the costs your business incurs if property loss causes you to stop working. 

Worker's Compensation

This is a form of insurance that provides wage replacement and medical benefits to employees injured in the line of work. Workers compensation insurance is required for any Kentucky businesses with one or more employees.  

Business Auto (Individual & Fleets)

If you're business takes something out on public roads, whether it's a car, trailer, truck, van, or fleet of vehicles, you need business auto insurance. Much like your personal auto policy, commercial vehicle insurance provides similar liability, collision, comprehensive, and personal injury coverages, as well as uninsured motorist coverage. 

Payroll Deduction Programs

We can help you set up a contribution plan where your employees can opt in to deduct a specified amount of their pay and put it towards insurance, healthcare or investment accounts. 

Life

Where would you business be without your employees? If they give you security and confidence that your business is well taken care of, then you should return the favor. Offering them a group life insurance plan gives them the opportunity to protect those they care about the most.

Health, Dental & Vision 

Healthcare is complicated, and it’s the last thing you want your  employees worrying about when they come to work each day. While group health insurance is a requirement for many employers, some employers wish to provide supplemental policies for dental and vision Insurance.  

Whether you're trying to stay in compliance with the law, or trying to provide benefits that will encourage a healthier happier workforce, we'll help identify the right plans to accomplish your goals.