General Contractor Insurance in Kentucky

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Do general contractors need insurance in Kentucky?

The Bluegrass State’s largest industry is construction. The industry employs just over 41,360 individuals, including many who are licensed as contractors. Kentucky contractors are eligible for contractor insurance.

Construction sites are often hazardous locations to work in. Small-sized businesses are susceptible to expensive liabilities if they are involved in residential or business projects. Contractor insurance is important for Kentucky companies to safeguard their hard-earned work from injuries, delays, and other common problems.

Contractor insurance is a shorthand term for different types of coverage a general contractor could consider.

  • General Liability insurance
  • Business Owner’s Policy
  • Workers’ Compensation insurance

Find out more about Kentucky contractor’s insurance and learn how you can find the most suitable policy for your company through BizInsure.

Who needs contractor insurance in Kentucky?

Contractors typically buy insurance policies to safeguard their business and personal finances. General Liability insurance and other insurance policies are an essential safety net for your business.

Certain clients may require certain types of coverage (this is often stated in contract).

Choose your profession below to learn more about your insurance options and start a customized quote insurance quote.

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What are the common insurance policies for contractors in Kentucky?

Kentucky tradespeople are aware of several kinds of insurance for contractors. These insurance policies will help you deal with the common risks faced by general contractors on the job.

General Liability insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Business Owner’s Policy

A Business Owner’s Policy (BOP) is a convenient package of insurance that protects your business against the common risks it faces every day. The BOP product includes various coverages that may suit the unique requirements of your small business. Insurance included in a BOP can vary but usually they include protection for typical small business risks such as property damage, business interruption and liability.

Workers’ Compensation insurance

Workers’ Compensation insurance protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace.

Businesses in Kentucky must carry Workers’ Compensation coverage if they have one or more workers regardless of part-time, temporary workers or family members.

What does contractor insurance cover in Kentucky?

Insurance for contractors can protect your business against many types of risk. You may be covered by the insurance policy you have purchased for:

  • Coverage for third-party injury and property damage claims
  • Unexpected business interruptions (Business Owner’s Policy)
  • Equipment breakdown
  • Accidents at work and illnesses

How much does contractor insurance cost in Kentucky?

It’s possible to not know the price of insurance for contractors in Kentucky when you’re just starting your own company.

The cost of business insurance varies because insurers take many aspects into account when they determine a company’s cost. The cost to your company could be based on factors such as:

  • The kind of insurance you want
  • The size of your business (annual revenues).
  • The number of people covered under the insurance policy
  • Your claims are based on your past
  • You can choose the coverage amount

Save time and money with BizInsure

The protection of the contracting company you work for is easy by using BizInsure.

You can obtain multiple estimates in less than 10 minutes and choose the most appropriate coverage that fits your budget and needs. You’ll be covered instantly and policy documents will be delivered straight to your inbox.

Do you need assistance with your project? We’re always here to help!

Compare quotes today to get the most suitable insurance for your Kentucky general contractor business.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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