Business & Commercial Insurance
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Business & Commercial Insurance Information
Commercial Insurance for Businesses Across Kentucky
Starting a business is an investment and a commitment, and so is protecting that investment. To keep your hard work from taking a financial hit due to unforeseen circumstances, you will want a business insurance policy you can trust.
At The Curtis Owens Agency, we work closely with business owners throughout Kentucky to match them with a business insurance policy tailored to their industry and insurance needs. We will help you identify the unique risks your business may face so that your insurance policy can reflect equal coverage.
Business & Commercial Insurance We Offer
There are many types of insurances both broad and specific that you can utilize for your business. Each protect you from different areas of risk your business may face in the course of a normal workday. Below are some of the common and important insurances you can find through The Curtis Owens Agency.
Liability insurance is a broad term that covers several areas of risk.
General liability insurance is perhaps the most common. This insurance offers compensation if someone is injured or their property is damaged on your business’ property. It also covers personal and advertising injury, which includes claims of libel, slander, malicious persecution, copyright infringement and more. This insurance can help pay for damages and medical bills as well as cover your business’ legal expenses in case of a lawsuit.
Other important types of liability include:
- Professional Liability: Professional liability covers claims of professional negligence filed against your business. If your company or employees offer a specialized or professional service that causes a client to lose money, this policy can provide compensation.
- Products Liability: Products liability covers bodily injury and property damage that may be caused by a product offered or manufactured by your business.
- Cyber Liability: Cyber liability covers claims and damages involving data that is stored electronically, such as cyberattacks and data breaches.
- Umbrella Liability: Umbrella liability insurance fills in the gaps left by your other liability insurance policy. If one liability policy reaches its limit for a claim, umbrella liability can step in to cover the remaining expenses.
You can often combine general liability with commercial property insurance into a single Business Owners Policy. This policy is a flexible package policy that combines coverages for small businesses.
Commercial Auto Insurance
Many businesses utilize vehicle for work purposes such as transporting people, equipment, products and more. Commercial auto insurance protects vehicles owned or used by a businesses by providing higher limits of many of the same coverages offered by
. These policies may include comprehensive coverage, collision coverage, liability, medical payments, uninsured/underinsured motorist coverage and more.
You may also want to add Non-Owned Auto insurance to this type of policy. Non-owned auto insurance covers vehicles borrowed or rented by the business, such as employee vehicles.
Workers compensation protects your business and your employees in case of a workplace injury. This insurance can help with an employee’s medical bills, disability benefits, wage replacement and more if they are injured on the job. It also serves to protect the business against a possible lawsuit regarding the injury.
Workers compensation is required in most states depending on the industry and number of employees. In Kentucky, employers with even a single employee (part-time, full-time, etc.) must carry workers compensation insurance.
Insure Your Business Today
Protect your hard work with the right policy at the right price. Speak one-on-one with a dedicated agent from The Curtis Owens Agency at (606) 784-3575 or fill out an online quote form to get started.
Common Business Insurance Questions
How Much Does Commercial Insurance Cost?
Business insurance costs vary widely depending on the type of insurance, insurance limits, industry, size of the business, location, claims history and more. Fill out an online quote form to find out how much you can save on business insurance today.
How Much Commercial Insurance Do I Need?
Commercial insurance needs may vary between businesses and across industries. Speak with an agent at The Curtis Owens Agency to discuss how much insurance your business needs to stay protected.
How Does Commercial Insurance Work?
As with other insurance policies, you can purchase commercial auto insurance through monthly premiums. So long as premiums are paid, you may file a claim and receive compensation for covered damages or accidents.