Commercial Insurance in Kentucky

Businesses are the backbone of the Bluegrass State's economy. Our professionals at Empower Financial Group have commercial insurance policies that cover businesses of all sizes, from firms with multiple locations to small businesses and home-based businesses.

Our agents can offer a variety of options based on the type of business, the number of employees, the location where it operates, and other factors. The wide range of businesses in Florence, KY and nearby areas of northern Kentucky means that there is no one-size-fits-all solution for the needs of your commercial enterprise.

Many factors affect the best level of coverage for your business. These include:

• Location(s) where the business operates
• Number of persons employed
• Need for workers' comp coverage
• Commercial vehicles or fleets operated by the company
• Need for protection against cyberattacks and data integrity
• Coverage to protect against errors and omissions
• Endorsements regarding employment practice and/or fiduciary liability

Types of Commercial Insurance Available

There are two major areas of commercial insurance coverage appropriate to most Kentucky businesses:

• Commercial General Liability: This general liability coverage offers protection when another person or entity makes a claim of property damage or injury that incurs medical costs.
• Professional General Liability: Often known as errors and omissions insurance, this area of coverage offers protection when a business provides personal services or professional expertise.

A Business Owner's Policy combines property insurance and business liability into a single entity that may be designed to meet the potential exposure your company has to various circumstances. Policies may cover events such as property damage, fires, burglaries, and natural disasters. In addition, tailored coverage may also include personal and bodily injury, advertising injury, data breaches, and other areas.

Contact Us Today

Each business has unique needs. The team at Empower Financial Group looks forward to discussing your present and future business plans and providing information on policies that best meet your insurance needs.