Louisville, KY
(800) 468-1215

Louisville, Kentucky · Independent since 1974

A thousand churches and five thousand families.

Reynolds is an independent agency, which means your policy is shopped across 27 carriers instead of sold to you by one. Fifty-two years in Louisville, and the largest church insurance practice in Kentucky and Southern Indiana.

Call (800) 468-1215Start a quote

The agency in four numbers

Fifty-two years is the least interesting one.

Every figure here is the agency's own published record, and every one of them is checkable.

Founded in Louisville, second generation

1974

Founded in Louisville, second generation

Churches insured across KY and Southern Indiana

1,000+

Churches insured across KY and Southern Indiana

Carrier appointments, because independent means something

27

Carrier appointments, because independent means something

105 Google reviews · BBB A+ since 2004

4.7★

105 Google reviews · BBB A+ since 2004

A red brick country church with a white steeple, Kentucky

The thing they are known for

Ninety-nine percent of our churches renew. Every year.

A church is not a small commercial building with a steeple on it. The board is made of volunteers who can be held personally liable. The replacement cost of a sanctuary built in 1912 has almost nothing to do with what it would sell for. Offerings are counted by hand, which is a theft exposure most policies treat as an afterthought. Reynolds has been writing this class since 1974 and places it through carriers built for congregations, including Brotherhood Mutual, GuideOne and KESA.

What a church policy covers(800) 468-1215

What Reynolds writes

Three books, twenty-five lines, one office.

The whole book is here rather than buried two clicks down. If the line you need is not on this page, it is worth a call anyway, because an independent agency can usually find a market for it.

A red brick country church with a white steeple on a mown Kentucky lawn

Chapter One

Churches

More than a thousand congregations across Kentucky and Southern Indiana are insured here, and 99% of them renew every year. It is the deepest thing this agency does.

The building

  • Church property
  • Wind and hail
  • Water damage
  • Theft of money and securities

The people and the board

  • Personal injury liability
  • Medical injury liability
  • Directors and officers liability
  • Workers compensation for staff
Church insurance in detail
A brick two-storey family home with a covered porch and mature shade trees

Chapter Two

Families

Over five thousand Kentucky families. The house, the cars, the boat, and the policies nobody enjoys thinking about until they matter.

House and car

  • Auto insurance
  • Home insurance
  • Condo and renters
  • Flood insurance
  • Specialty dwelling
  • Personal umbrella

People

  • Life insurance
  • Disability
  • Health insurance

Weekends

  • Boat
  • Motorcycle
  • ATV and powersports
  • Recreational vehicles
Families coverage in detail
Brick main-street storefronts with green awnings and flower planters in morning light

Chapter Three

Businesses

Contractors, restaurants, retailers and offices. The certificate you need by Friday, and the cover that holds up when a claim actually lands.

Liability and property

  • General liability
  • Professional liability
  • Business property
  • Cyber liability
  • Commercial umbrella
  • Commercial auto

People and trades

  • Workers compensation
  • Contractors insurance
  • Bonds
  • Restaurant insurance
  • Business owners package
Businesses coverage in detail

How an independent agency actually works

One risk, twenty-seven markets.

A captive agent has one company and one answer. This is the other way of doing it, in the order it happens.

A two-lane Kentucky road between black plank horse fences at dawn

01

We start with what you are actually protecting

A congregation with a hundred-year-old sanctuary and a volunteer board has nothing in common with a two-truck contractor. The conversation starts there, not with a rate sheet.

Brick storefronts on a small-town main street in the morning

02

Then it goes out to 27 carriers

This is the part a captive agent cannot do. Reynolds is appointed with 27 companies, from Travelers and The Hartford to Brotherhood Mutual and GuideOne, so one risk can be shopped across all of them at once.

A brick family home with a deep front lawn on a quiet street

03

You get options, and the reasoning behind them

Not one price to take or leave. Several, with a plain explanation of what each one covers and where each one stops, so the decision is yours rather than the agency's.

A country church behind mature oak trees in late afternoon light

04

And somebody stays on the file

Certificates, ID cards, a claim at an awkward hour, a board that needs its coverage explained again before a vote. Fifty-two years of renewals were earned in this step, not the first one.

Carrier appointments

Twenty-seven companies compete for your policy.

Every name below is a company Reynolds can place business with directly. A captive agent has one of these.

  • Travelers
  • The Hartford
  • Progressive
  • Safeco
  • Grange
  • Philadelphia
  • Zurich
  • Selective
  • State Auto
  • Brotherhood Mutual
  • GuideOne
  • KESA
  • Farmers
  • Foremost
  • Dairyland
  • Kentucky National
  • Anthem BC/BS
  • Humana
  • MetLife
  • Prudential
  • Lincoln Financial
  • Transamerica
  • Banner Life
  • West Coast Life
  • Symetra
  • Genworth
  • GMAC

In their own words

Three of the four are churches.

When I started on staff here at our church, we were dealing with another insurance agent. After moving our business to Claude Reynolds, I have found that having to pick up the phone to deal with any sort of insurance need, is no longer a hassle or something to dread. Lorraine has been absolutely amazing to work with. She has quickly and efficiently taken care of all of my needs.
Lisa Stargle · Ormsby Heights Baptist Church
Our church switched to Claude Reynolds Insurance Agency approximately 4 years ago. As a Pastor, leading a board and congregation, I find it a difficult chore to understand all of the proper insurance coverages we need. Claude and his team met with our board, explained all of the coverages and gave us the best value. We are truly appreciative for their time and efforts.
Pastor George Rhye · Emmanuel Assembly of God
I had a great experience with the staff at Claude Reynolds Insurance. It was a very pleasant experience and the insurance price I received on my car insurance was very affordable. I am very pleased with my decision in choosing Claude Reynolds Insurance and I know you will also.
Suzette · Auto client
Always very courteous and professional, awesome customer service, Tania is by far the best and most helpful person you could ask for, I would absolutely recommend them too anyone.
Chad Ash · Google review

Straight answers

The questions people actually call about.

Since 1974. That is 52 years under the same family name in Louisville, Kentucky, and the agency is now run by Claude M. Reynolds III with a second generation, Matt Reynolds, working as an agent. The Better Business Bureau lists the business start date as January 1974 and has accredited the agency with an A+ rating since December 2004.

Yes, and it is the agency's largest specialism. Reynolds works with more than 1,000 churches and describes itself as Kentucky and Southern Indiana's largest church insurance agency. Ninety-nine percent of those churches renew their policies every year. Church programs are written through carriers built for congregations, including Brotherhood Mutual, GuideOne and KESA.

A captive agent can only sell you the products of the one company that employs them. An independent agency is appointed by many carriers and shops your risk across all of them. Reynolds is appointed with 27 carriers, including Travelers, The Hartford, Progressive, Safeco, Grange, Philadelphia, Zurich, Selective, State Auto and Brotherhood Mutual, so the same conversation can produce several competing quotes rather than one take-it-or-leave-it price.

The entire state of Kentucky. The office is at 11820 Ransum Dr #201 in Louisville and serves Jefferson, Oldham, Bullitt and Shelby counties directly, with statewide coverage beyond that. Church business also extends into Southern Indiana.

Twenty-five distinct lines across personal and commercial. Personal covers auto, home, condo, renters, flood, specialty dwelling, umbrella, life, disability, health, boat, motorcycle, ATV and powersports, and recreational vehicles. Commercial covers church, general liability, professional liability, business property, commercial auto, commercial umbrella, workers compensation, cyber liability, bonds, contractors and restaurants.

Yes. The agency runs a service centre for exactly these requests: certificates of insurance, ID cards for a car, boat or motorcycle policy, billing and payment links for your own carrier, and claim filing. Certificates are usually the urgent one for contractors, so send the request with the job name and the certificate holder's exact legal name and address.

Claims are filed with the carrier that wrote your policy, not with the agency, and the agency will point you to the right claims centre and stay involved. Call (800) 468-1215 or (502) 933-2255 during office hours, Monday to Friday, 9:00 AM to 5:00 PM, and have your policy number ready if you can find it.

Four things get missed most often. Whether directors and officers liability covers volunteer board members as well as paid staff. Whether the building limit reflects what it would actually cost to rebuild today rather than what the building is worth. Whether theft of money and securities is covered, since offerings and counting procedures are a real exposure. And whether wind, hail and water damage are covered on the same terms as fire. Reynolds writes more than 1,000 church policies and reviews these directly with boards.

Serving the entire state of Kentucky

Let us put it out to the market.

A quote costs nothing and takes one conversation. Bring your current policy if you have it, and Reynolds will tell you honestly whether it can be beaten.

Call (800) 468-1215Start a quote online

11820 Ransum Dr #201, Louisville, KY 40243 · Mon-Fri: 9:00 AM - 5:00 PM