Protecting the Businesses That Power Our Community
As a business owner in Morehead or Eastern Kentucky, you work hard to build something meaningful - our job is to help you protect it. From local contractors and shops to professional offices and small manufacturers, we offer commercial insurance solutions designed to fit your operations. Our independent agency reviews multiple carriers to find policies that protect against liability, property losses, employee injuries, cyber risks, and more. Whether you're starting a new venture or reviewing existing coverage, we provide clear guidance every step of the way.
Our Business Insurance Coverage Options
General Liability Insurance
Protects your business from claims involving bodily injury, property damage, or legal expenses. Essential for nearly every business.
Commercial Property Insurance
Covers buildings, equipment, tools, and inventory against fire, theft, storms, and other covered losses.
Business Owner's Policy (BOP)
Bundles general liability and property insurance for small to mid-sized businesses at a cost-effective rate.
Workers' Compensation Insurance
Required for most employers in Kentucky. Covers medical expenses and lost wages for employees injured on the job.
Commercial Auto Insurance
Covers vehicles used for business purposes - from work trucks to delivery vehicles.
Contractors Insurance
Provides essential protection for independent contractors and tradespeople against jobsite risks, equipment loss, injuries, and client disputes.
Cyber Liability Insurance
Protection for data breaches, ransomware, and cyber attacks—helping businesses manage recovery costs and keep operations moving.
Errors & Omissions Insurance
Coverage for professional mistakes, missed details, or services-related claims that general liability doesn’t address.
Commercial Umbrella Insurance
Extra liability limits that sit above your business auto and liability policies for added protection against large claims.
Surety Bonds
Fast, accurate bonding for contractors and regulated businesses to meet licensing, permitting, and contract requirements.
How Business Insurance Works
Business insurance should be tailored to your industry, your risks, and your goals. Here's how we simplify the process:
Steps to Build the Right Policy:
Assess Your Operation
Understanding what you do and how you work guides your coverage needs.
Identify Risk Areas
Liability, property, employees, vehicles, digital assets - every business has different exposures.
Compare Carriers
We shop multiple companies to find cost-effective, comprehensive coverage.
Review and Adjust
Businesses change - we help update your plan as you grow.
Common Questions About Business Insurance
What insurance do I need for a small business in Kentucky?
Most businesses start with general liability and property coverage. Additional needs may include workers' comp, commercial auto, cyber liability, or professional liability.
How do I insure my business in Morehead?
Start with a risk assessment. We review your operations, recommend coverage options, and shop multiple carriers to find the best fit.
What's the difference between general liability and a BOP?
General liability covers bodily injury and property damage, while a BOP bundles liability and property coverage into one streamlined package.
Is workers' comp required in Kentucky?
Yes - most employers must carry workers' compensation coverage for employee injuries.
Can contractors get specialized insurance?
Absolutely. We offer contractor-focused protections such as equipment coverage, inland marine, and enhanced liability options.
Explore Related Insurance Services
Contractors Insurance
Coverage tailored to local trades and jobsite risks.
General Liability Insurance
Protects your business from lawsuits and third-party claims.
Workers' Compensation
Essential for protecting employees and meeting Kentucky legal requirements.
Protect Your Business With Confidence
From startups to established operations, we help businesses across Morehead and Eastern Kentucky build insurance plans that fit their goals and budget. Let's safeguard what you've worked so hard to create.
