Business Insurance

TLDR The Kentucky Labor Cabinet can issue an immediate stop-work order to any uninsured business. Civil penalties run up to…

TLDR Sole proprietors can opt out in writing but are covered automatically unless they file an exclusion. Domestic workers in…

TLDR Workers comp pays medical bills with no cap on necessary treatment under Kentucky law. Lost wages (TTD) are covered…

TLDR Kentucky law (KRS Chapter 342) requires workers comp for any business with 1 or more employees. Independent agents can…

TLDR Every Kentucky contractor needs general liability, workers comp (for any employer), and commercial auto at a minimum. Builder's risk…

TLDR Every Kentucky subcontractor needs general liability, workers comp (if they have employees), and commercial auto at minimum. GCs require…

TLDR Contractor GL covers third-party bodily injury and property damage you cause on the job. It does not cover your…

TLDR General liability for Kentucky contractors runs $800-$2,400 per year depending on trade and revenue. Workers comp in construction codes…

TLDR Builder's risk covers the structure, materials, and equipment on a job site during active construction. It does not cover…