A few minutes can save you up to 65% or more with
Kentucky's leading contractors' insurance programs –
Contractors
Insurance
Kentucky
Kentucky
Contractors Insurance
Stop overpaying for coverage in the Bluegrass State!
A few minutes can save you up to 65% or more with Kentucky’s leading contractors’ insurance programs –
Coverage for Kentucky Contractors
As a top provider of Kentucky Contractors' Insurance products, our specialized programs deliver affordable protection for builders of all trades, backed by exceptional customer service –
What is Kentucky Contractors’ Insurance?
Kentucky contractors’ insurance is essential for shielding your business from the financial risks that come with every phase of your operations.
Why Do I Need It?
With the construction industry booming across the US, Kentucky contractors face common challenges like safety hazards, delays, increased material costs, and labor shortages. These issues can lead to significant liability exposure. Incidents of bodily injury or property damage can result in costly lawsuits that severely impact even well-established construction companies without proper insurance coverage.
Our Kentucky contractors’ insurance policies are more than just a safety measure. They provide round-the-clock protection for your company. Whether it’s unforeseen claims from employees or third parties, our A-rated programs are there for you, no matter the time of day, ensuring your business is always secure.
Protect Against the Unpredictable
Before starting operations, Kentucky contractors should take a proactive step and consult their local city, county, or jurisdiction. Understanding the rules, regulations, fees, and required documentation is a key part of being prepared for any eventuality.
With automatic credits applied for instant savings, our commercial insurance specialists stand ready to help Kentucky contractors find a cost-effective insurance package tailored to your business needs. Don’t wait until it’s too late. Contact us today to discuss your insurance options and protect your business from the unpredictable.
Our Recommended Products
General Liability
General Liability
Kentucky contractors’ general liability is the foundational component of a well-balanced commercial insurance package.
Kentucky contractor general liability insurance covers third-party liability claims from people outside your business.
A Kentucky contractors’ business liability policy provides coverage for defense expenses, settlement costs, and judgments awarded by the court if your business is held responsible for property damage or bodily injury to a third person.
Kentucky contractors’ general liability insurance provides:
- Coverage for Bodily Injury
- Coverage for Property Damage
- Coverage for Business Products
- Coverage for Completed Operations
- Coverage for Fire Legal
- Coverage for Defense Costs
- Plus More Protection
Workers' Comp
Workers' Comp
Kentucky operates a no-fault insurance system in which injured employees receive Kentucky contractors’ workers’ compensation insurance benefits regardless of who is at fault.
Kentucky contractor workers’ compensation protects employees with work-related injuries, occupational illnesses, and deaths arising out of the course and scope of employment.
Kentucky contractors’ workers’ compensation benefits include:
- Pay
- Medical
- Disability
- Death and Burial
Non-compliant employers that violate Kentucky contractors’ workers’ comp laws are subject to severe penalties and fines.
Please visit the Commonwealth of Kentucky Labor Cabinet to verify Kentucky contractors’ workers’ compensation mandates.
Surety Bonds
Surety Bonds
A Kentucky contractors’ surety bond protects government agencies and the public (consumers) against financial risk, misrepresentation, and fraud sustained by contractors that violate state rules and regulations.
Various contractors seeking to work within the Commonwealth of Kentucky may be required to post a Kentucky contractor bond to comply with licensing prerequisites.
Kentucky contractors’ surety bonds provide project owners with a financial guarantee against potential default or failure to complete a project and its specifications.
Please visit your city, county, or local jurisdiction to verify Kentucky contractors’ surety bond requirements, rules, and regulations.
Commercial Auto
Commercial Auto
A Kentucky contractors’ commercial auto policy provides liability and physical damage protection for business-owned, leased, and hired vehicles involved in an at-fault accident.
Kentucky contractors’ business auto insurance provides coverage for company vehicles involved in an accident or damaged by vandalism or theft.
Kentucky contractors’ commercial auto insurance provides:
- Coverage for Property Damage
- Coverage for Bodily Injury
- Coverage for a Comprehensive Loss
- Coverage for a Collision Loss
- Coverage for Hired & Non-Owned Vehicles
- And More
Inland Marine
Inland Marine
A Kentucky contractors’ tool and equipment policy will provide coverage to repair, replace, or reimburse lost or damaged hand tools, materials, and owned, rented, or leased equipment at a job site, in transit, or off-site storage.
Kentucky contractors’ inland marine insurance provides financial protection against:
- Wind Damage
- Hail Damage
- Fire Damage
- Water Damage
The Kentucky contractors’ inland marine policy will provide specialized coverage for “installation” risks.
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