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Kentucky Business Insurance Policies

Searching for insurance in KY? biBERK is trusted by many companies for business insurance in Kentucky. We offer flexible policies that take your business needs into account and protect you from the many types of risk businesses face.

Kentucky Workers' Compensation Insurance

Do you need protection for your business in the event of an employee’s on-the-job injury, illness, or death? Kentucky workers’ compensation insurance covers medical costs, lost income, and legal fees that occur due to the incident. We offer tailored workers’ comp in Kentucky to make sure your business gets the best coverage possible.

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Kentucky Professional Liability Insurance

Sometimes referred to as errors and omissions (E&O) insurance, this covers mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage. This Kentucky business insurance policy can help cover damages and legal fees if someone claims your business’s professional advice or services error or omission caused financial harm to their business.

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Kentucky Cyber Insurance

This type of business insurance in Kentucky can be purchased as an add-on to a general liability, professional liability, or BOP policy. Cyber insurance helps cover costs associated with data breaches, system hacks, and the theft of sensitive information when fraud has occurred or may occur.

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We Cover all Kinds of Professionals and Businesses in Kentucky, Including:

  • Advertising and marketing agencies
  • Amusement and recreation services
  • Analytical laboratories
  • Appraisers
  • Architecture firms
  • Attorneys and lawyers
  • Auditing firms and accountants
  • Automobile service or repair
  • Beauty salons and barber shops
  • Bike shops
  • Building or property management
  • Business consultants
  • Carpentry businesses
  • Cleaning services
  • Clothing, retail, and other stores
  • Computer programmers
  • Concrete driveway installation and repair
  • Contractors
  • Courier and messengers services
  • Detective agencies and patrol agencies
  • Doctors and osteopaths
  • Eat-in restaurants
  • Electrical contractors
  • Engineering firms
  • Exterminators
  • Flooring and carpet installers
  • Fruit and vegetable markets
  • Heating and cooling companies
  • Home health care services
  • Household appliance repair
  • Insurance agents
  • Insurance inspection companies
  • Janitorial services
  • Lawn maintenance and gardening
  • Masons
  • Painters
  • Photographers
  • Plumbing services
  • Public relations firms
  • Real estate agents and operators
  • Sales representatives
  • Securities and commodities businesses
  • Towing businesses
  • Trash removal services
  • Trucking companies
  • Wallboard installers
  • Wallboard installation companies
  • Welding and metal cutting companies

Why Choose biBERK for Business Insurance in Kentucky?

We’re the experts when it comes to Kentucky small business insurance.

Save Time

Get a quote entirely online or instantly speak with one of our insurance experts for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly and pass the savings on to you. With no middleman or insurance broker involved, you can save up to 20% compared to other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Why is biBERK Better for Kentucky Small Business?

Whether it’s workers’ comp in Kentucky or other small business insurance, we’re often less expensive and easier to do business with than other insurance companies. Why? Because we understand getting the right business insurance for your specific needs can be challenging. We make sure your coverage is based purely on what’s best for your business. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he is dedicated to providing small businesses with services and value that can help them grow.

What do biBERK Customers Say?

What Coverage is Required for Kentucky Small Businesses?

Workers’ Compensation

In Kentucky, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re required to have a workers’ comp policy and are caught doing business without it.

Other Policy Considerations

Even if a particular type of business insurance isn’t required in Kentucky, protecting your company from unexpected financial burdens is crucial. So, you should consider all types of insurance that apply to the type of work you do.

What Does Kentucky Business Insurance Cost?

The cost of commercial and business insurance in Kentucky depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. Our website provides business insurance quotes in Kentucky.

Kentucky Small Business Insurance in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your business. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for business insurance in Kentucky and save up to 20%.