Small Business Insurance in Kentucky
Simple and easy insurance for your Kentucky small business.
4.9 out of 5 customer review rating and 1.7M+ policies sold
Kentucky business insurance policies.
Searching for KY business insurance? biBerk is trusted by lots of companies for Kentucky business insurance. We offer flexible policies that take your business needs into account and protect you from the many types of risk businesses face. Let’s explore the available coverages.
Kentucky Workers' Compensation insurance
No company should be without financial protection for its employees who get hurt, sick, or die on the job. In fact, the state requires you to have it. Kentucky workers’ compensation insurance covers medical costs, lost income, and legal fees that occur due to the incident. We offer tailored workers’ comp in Kentucky to make sure your business gets the best coverage possible.
Kentucky Professional Liability insurance
You might hear people call this policy errors and omissions (E&O) insurance. It covers mistakes your business makes (errors) and failures to perform services (omissions). You should consider professional liability insurance if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage. This Kentucky business insurance policy can help cover damages and legal fees if someone says your business’s professional advice or services error or omission caused financial harm to their business.
We cover all kinds of professionals and businesses in Kentucky, including:
- Advertising and marketing agencies
- Amusement and recreation services
- Analytical laboratories
- Appraisers
- Architecture firms
- Attorneys and lawyers
- Auditing firms and accountants
- Automobile service or repair
- Beauty salons and barber shops
- Bike shops
- Building or property management
- Business consultants
- Carpentry businesses
- Cleaning services
- Clothing, retail, and other stores
- Computer programmers
- Concrete driveway installation and repair
- Contractors
- Courier and messengers services
- Detective agencies and patrol agencies
- Doctors and osteopaths
- Eat-in restaurants
- Electrical contractors
- Engineering firms
- Exterminators
- Flooring and carpet installers
- Fruit and vegetable markets
- Heating and cooling companies
- Home health care services
- Household appliance repair
- Insurance agents
- Insurance inspection companies
- Janitorial services
- Lawn maintenance and gardening
- Masons
- Painters
- Photographers
- Plumbing services
- Public relations firms
- Real estate agents and operators
- Sales representatives
- Securities and commodities businesses
- Towing businesses
- Trash removal services
- Trucking companies
- Wallboard installers
- Wallboard installation companies
- Welding and metal cutting companies
Why choose biBerk for business insurance in Kentucky?
We’re the experts when it comes to Kentucky small business insurance.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings along to you - up to 20% less than policies with other insurance companies.
Experienced.
We're part of the Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $62 billion in paid claims in 2023.
Why is biBerk better for Kentucky small businesses?
Why is biBerk better for Kentucky small businesses?
Whether it’s workers’ compensation insurance in Kentucky or other small business insurance, we’re often less expensive and easier to do business with than other insurance companies. Why? Because we understand getting the right business insurance for your specific needs can be challenging. When you buy small business insurance in Kentucky from biBerk, we make sure your coverage is based purely on what’s best for your business.
We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he is dedicated to providing small businesses with services and value that can help them grow.
Get Kentucky business insurance wherever you are!
What do biBerk customers say?
-
-
-
-
-
-
Who reaches out to biBerk for business insurance in Kentucky?
Many types of people buy insurance from biBerk. Owners of new small businesses appreciate that we provide clarity on essential coverages. They also like that we’re able to offer business insurance at up to 20% less than other providers. In addition, we help businesses reduce their risk with lots of helpful information in our Resource Center.
Comprehensive insurance solutions for experienced business owners
Owners of established companies find that we can help them develop comprehensive insurance solutions for their businesses, including reviewing and updating their coverage as needed. Business insurance can be complicated, but we keep it simple for owners, providing tailored protection so they can stay focused on operational challenges.
Peace of mind for corporate legal counsel
The business landscape (and risks it presents) is continually evolving. The fact that our policies provide companies with reliable financial protection helps corporate legal teams sleep better at night.
What coverage is required for Kentucky small businesses?
Workers’ Compensation
In Kentucky, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re required to have a workers’ comp policy and are caught doing business without it.
Other policy considerations
Even if a particular type of business insurance isn’t required in Kentucky, protecting your company from unexpected financial burdens is crucial. So, you should consider all types of insurance that apply to the type of work you do.
What does KY business insurance cost?
The cost of business insurance in Kentucky depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Your claims history will also influence your policy cost. Companies with fewer claims typically pay lower premiums. You can get policy quotes online 24/7/365.
Business insurance in Kentucky: frequently asked questions.
Small businesses in Kentucky that have employees are required by the state to have workers' compensation. Other policies might be required or advised based on the type of work you do.
The cost of small business insurance in Kentucky varies depending on the type of coverage, industry, business size, and other factors. However, it’s common for small businesses to get hundreds of thousands of dollars in coverage for as little as hundreds annually.
Certain industries in Kentucky may have specific insurance requirements, including professional liability insurance (also called errors and omissions or E&O insurance).
Choose the right coverage by assessing factors like your business size, industry, and assets. If you have questions, one of our licensed insurance experts is happy to answer them.
The process involves notifying your insurance provider, submitting necessary documentation, like a detailed incident report and supporting evidence, and working with a claims adjuster for assessment.
Processing times vary based on the complexity of the claim. But you can be confident that biBerk will begin processing your claim promptly and complete the work efficiently so you can move past an incident and focus on running your business.
Small business insurance in Kentucky in three simple steps.
Get a quote.
Fill out a form online or give us a call to tell us about your business. You’ll have a quote in as little as five minutes.
Buy a policy.
Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.
Get a certificate.
Download an instant Certificate of Liability Insurance immediately after purchasing a policy.
