Commercial Insurance

Business owners in Kentucky are the cornerstone of our communities. To keep your business in the red and your doors open, you need a commercial insurance plan that works for you. Let’s take a look at what commercial insurance offered by Thoroughbred Insurance Services can provide your business.

Kentucky State Law

In the state of Kentucky, business owners are required to provide their workers compensation for injuries on the job which is usually in the form of workers compensation insurance. This is required by the Kentucky Workers Compensation Law, which is a series of statutes designed to keep workers safe. Commercial insurance plans can be designed to fit your needs and include your legally required coverages.

Keeping Your Business Open

Commercial insurance can be better thought of as a network of different coverage options that can be custom-fit to help your business. Here are some of the most popular coverage options.

Business Stoppage Coverage

Even the most successful companies have to undergo temporary stoppages. Planning for this is the key to your ongoing success. It could be from some unexpected construction, a burst pipe, or even a planned expansion. This coverage helps pay for costs while your doors are temporarily closed.

Commercial Auto Insurance

Rather than ensuring each vehicle one by one, as business owners, you can use commercial auto insurance to cover each of your vehicles. This is an excellent option for businesses that have a rotating staff of drivers or specialty vehicles that basic auto insurance plans won’t be able to cover.

Cyber Insurance

As all of our commerce moves into digital spaces, your liabilities and insurance needs may change. Cyber insurance protects you from damages resulting from lawsuits if your customer’s data is lost during a breach.

Commercial insurance should be tailored. That’s why you need to give us a call or stop in today to find out how Thoroughbred Insurance Services can help you protect your business. Reach out to an agent to get a quote.


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Partner Carriers

  • American Modern
  • Assurant Flood
  • CNA
  • Dairyland
  • Dovetail
  • Encompass Insurance
  • Foremost
  • Grange
  • Guard
  • Hagerty
  • Hiscox
  • KEMI
  • Kemper
  • Liberty Mutual Commercial
  • MetLife
  • Palomar Earthquake
  • Progressive
  • Safeco