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Commercial Insurance

Commercial Insurance

Protect your Kentucky Business

Whitt Insurance Agency provides commercial insurance to businesses in the state of Kentucky. Commercial insurance is a broad category that includes many types of insurance, such as:

  • Workers’ Compensation
  • General Liability
  • Property & Casualty
  • Product Liability
  • Profession Liability
  • Commercial Vehicle Coverage
  • Umbrella Insurance
  • Business Interruption
  • Key Person
  • Specialized Insurance

Workers’ Compensation

Any employer operating in the state of Kentucky that has one or more employees is required by state law to have workers’ compensation insurance.

General Liability

Every business needs general liability protection for risks associated with operations and dealing with clients or customers.

Property & Casualty

This coverage is necessary if the business owns or rents any commercial real estate.

Product Liability

This insurance covers the risks if the business manufactures or distributes any products.

Professional Liability

Professionals, such as doctors, nurses, stockbrokers, real estate agents, attorneys, and more, need this type of insurance. Professional liability insurance is called malpractice insurance in the health care sector. In the financial sector, it is called Errors & Omissions (E&O) insurance. Anyone who is required by the state to register and obtain a professional license should have this insurance.

Commercial Vehicle Coverage

Any vehicles that are used partially or fully for the business need to have commercial vehicle insurance. Talk this over with your insurance agent because this includes if the business owner allows an employee to run an errand while using the owner’s car.

Umbrella Insurance

This insurance extends the policy limit of other policies. It may also provide some coverage for things not covered by other policies, such as discrimination, libel, slander, and legal expenses for the defense against lawsuits. Talk over the details about what coverage is available with your agent.

Business Interruption

This provides coverage for ongoing expenses if the business is stopped due to a covered cause, such as a natural disaster.

Key Person

This is life insurance for business owners and key executives that are critical in the running of the business. It helps protect the company if something happens to them.

Specialized Insurance

Specialized insurance includes such things as protection against the risk of cybersecurity breaches, terrorism, and more. Ask your agent about any special needs that you may have.

For businesses with any commercial insurance needs, reach out to your agent at Whitt Insurance Agency to get a consultation and a quote to make sure your business has adequate insurance coverage.