Commercial Insurance

The best way to protect your business is by having commercial insurance. Commercial insurance protects your property, employees, customers, customer data, and more. We can help you find a policy that meets your unique needs here at Davis Insurance Group. We are proud to serve all businesses in the state of Kentucky.

Commercial Insurance Requirements

All businesses in the state of Kentucky are legally required to obtain workers’ compensation insurance. This policy covers work-related illness and injuries and provides disability benefits for workers who have been injured while on the job.

Commercial auto insurance is also required for all businesses that have company vehicles. The minimum auto insurance requirements must also be met. They are:

• Bodily injury liability is $25,000 for each person
• Bodily injury liability is $50,000 for each accident
• Property damage liability is $25,000 for each accident
• Personal injury protection for $10,000

Commercial Insurance Coverage

Here are some of the most common commercial insurance policies that can protect your business:

• General liability- This is an essential policy for all businesses to have because it covers some of the most common risks, such as customer injuries. Don’t be surprised if your commercial lease requires you to obtain this policy.
• Professional liability- Also known as errors and omissions insurance, professional liability works to protect your business by protecting you in case of a lawsuit or other mistakes.
• Cyber liability- This will help your business overcome data breaches and cyberattacks. It will cover legal fees and other related costs.
• Business owner’s policy- This combines general liability and property insurance in one plan.

Quotes

If you are interested in obtaining a quote for commercial insurance, give us a call here at Davis Insurance Group. We are located in Kentucky. Our agents are waiting to assist you in finding the right policy for your company.