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Small Business Insurance in Kentucky

As a small business owner in Kentucky, you understand that running a successful business entails juggling multiple tasks on a regular basis. The last thing you want to spend your time doing is dealing with an unanticipated issue that arises, such as a lawsuit or a workplace accident. With small business insurance for Kentucky businesses that's offered through AmVenture Insurance Agency, Inc., you could help keep your resources protected against a variety of risks. That means that you could remain focused on what matters most - growing your business.

 

 

Insurance Plans for Small Businesses in Kentucky


Workers' Compensation Requirements for Small Businesses

Without your employees, maintaining your business would be nearly impossible. You rely on them to stock inventory, interact with customers, keep your building clean, and more. Unfortunately, workplace accidents, injuries, and illnesses can't always be prevented, even if you've trained your workers to adhere to the right safety protocols. The costs associated with dealing with a risk of this nature can be astronomical. For that reason, the state of Kentucky requires all business owners with employees to carry workers' compensation insurance. If an employee suffers an accident, illness, or injury at work, this type of insurance policy typically covers:

  • Medical bills
  • Lost wages
  • Job retraining

General Liability Insurance for Kentucky Small Businesses

Running a business is fundamentally risky, but general liability insurance can help to safeguard your business against a variety of hazards. It can cover your business in the event of third-party claims of property damage, negligence, or bodily injury, which could shield you from having to pay costly settlements, judgments, and litigation expenses out-of-pocket.

Even if your business isn't to blame for a customer's accusation, the costs of going through the legal process can be significant, and it can cause you to have to put your business on hold until the matter is settled. With general liability insurance, many of these expenses are covered up to the limits of your policy for covered claims.

Businessowner's Policy for Kentucky Small Businesses

Some of the most important assets your business has are your building and the inventory you carry. A businessowner's policy can help cover the loss of these resources if:

  • Your building or inventory becomes damaged by a fire
  • A water pipe breaks and causes major water damage
  • A thief steals your equipment, furniture, or other inventory
  • Your building becomes damaged by an act of vandalism

A businessowner's policy combines the protection of general liability and property insurance together. It may also help you recover financially if you suffer an interruption in running your business due to a covered cause of loss.

What Other Types of Insurance Coverage Do I Need?

Your exact insurance coverage needs will largely depend on your line of work, how many employees you have, and other factors that are unique to your situation. For example, if you use vehicles for commercial purposes, you should consider purchasing commercial auto insurance. And, if you conduct business online or store customer information electroniclally, you should consider covering your business against a data breach or cyber hack with cyber liability insurance.

How Can I Learn More about Small Business Insurance?

With the bespoke small business insurance coverage options that are offered through AmVenture, you can rest easy knowing that your business is adequately protected. Begin the process today by calling us, and one of our trained insurance professionals will gladly assist. Or, fill out our easy form online to receive a fast and free quote.

About the Business Climate in Kentucky

Since the Bluegrass State is home to an abundance of world-famous whiskeys and well-known horse-racing competitions, it has a booming tourism industry. According to the Small Business Administration, Kentucky grew at an annual rate of 2.3% in the third quarter of 2015, which was faster than the nation's overall growth rate of 1.9%. The organization also noted that small businesses in Kentucky accounted for 45.7% of the private workplace in 2015.


About AmVenture

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