Insurance in Lexington, Kentucky

Your farm is your livelihood, and you can never be too cautious. Since an accident can happen when you least expect it get covered. Having the proper farm policy, your equipment, buildings, and even lost income can be covered.

Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. General Liability covers injuries occurring on your business premises or business activities that cause damage to someone else’s property.

If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability coverage for accidents and physical damage coverage for the vehicles.

If your business has employees, workers’ compensation insurance is usually required by law in every state. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.

Commercial property insurance covers physical assets such as the business building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters.

A business owner’s policy, aka BOP, is a cost effective way for small business owners to get general liability and commercial property insurance combined into a single policy.

Professional liability insurance, aka Errors & Omissions (E&O), can help cover legal expenses if your business is sued for a mistake, missed deadline, project scope disputes, negligence, or other risks associated with customer satisfaction.

Commercial umbrella, aka Commercial Excess, provides additional coverage once the underlying policy reaches its limit. It can boost the coverage for general liability, commercial auto, and employer’s liability insurance.

Businesses today increasing rely on digital systems and store customer data electronically. Cyber liability insurance helps cover the costs associated with data breaches, including legal fees, notification costs, and credit monitoring for affected customers.