Protect Your Erlanger Business Investment

Business insurance protects companies of all sizes, from startups to enterprise level, from threats that are common today. Any of these disasters could put you out of business because of their financial consequences:

• Damages from lawsuits
• Fires or storms destroying your property
• Business vehicle crashes
• Theft and vandalism
• Accidents on your premises
• Subcontractor breach of contract

Instead of covering the expense of these unexpected emergencies yourself, your insurance steps up to the plate. Your finances are protected, as well as your employees’ livelihoods.

You Can Combine Many Types of Business Insurance for Full Protection

Property Insurance

This insurance covers your business premises. If you own the building, it covers your structure and its contents; if you rent, you can protect your equipment, inventory, and other belongings too. Depending on your location, it may be wise to add flood and/or earthquake insurance.

Commercial Auto Insurance

Any vehicles used in the operation of your business, from landscaping trucks to your sales fleet, must be covered by a business auto policy. If you use a personal vehicle for work, it should also be insured with a commercial policy. Do you rent vehicles out of town for work? A commercial auto policy also protects you in this situation.

General Liability and Business Umbrella Insurance

General liability protects your business in the event of lawsuits related to problems like harassment, discrimination, and wrongful termination. Some businesses also carry errors and omissions insurance, when mistakes in their work can result in dangerous consequences. To add more coverage, you can purchase a business umbrella policy, which takes up where the cap on your commercial liability policy leaves off.

Cyber Liability Insurance

Cyber crime is on the rise, and businesses of all types and sizes are susceptible. You can protect your important data and that of your clients with cyber liability insurance in case of hacking, employee theft, or a data breach.

Workers Compensation

Did you know that workers compensation is required by the state of Kentucky if you have even one employee? This insurance covers the expense of medical care, disability, rehabilitation, and medications in case a worker is hurt on the job.

Bonds

If you rely on another business entity to get paid for your work, a bond can protect you if they don’t live up to their contract. Bonds are common in the construction industry, where subcontracting is common, but there are also bonds for many other professions and people in government jobs.

Inland Marine Insurance

Inland marine insurance is vital for those businesses whose work involves transporting valuable property belonging to others, such as manufacturing machinery, fine art, or expensive furniture.

Specialized Insurance Based on Industry

Many professions have business insurance specifically for their industry:

• Restaurant and food kitchen owners
• Electricians, plumbers, and other contractors
• Gardeners and landscapers
• Hairstylists and barbers
• Landlords and property managers
• Farmers and horse business owners

Ask us about any unique business insurance needs associated with your line of work.

Our Independent Agents Can Help You Select the Right Coverage

Finding the right business insurance to make certain you haven’t left any risks can be tricky. Our independent agents are here to help you choose the right combination of coverage to protect you thoroughly. We take the time to inquire about your business operation, payroll size, and other pertinent information, so you get the coverage you need.

When you’re ready to start an insurance policy for your business in Erlanger, call Old Kentucky Insurance at 502-451-8800. For your convenience, you can also start a policy online any time or reach out via our online contact form.

Get a Free Business Insurance Quote