Business Insurance · Kentucky
The certificate you need by Friday, and the cover that holds up when a claim lands.
Reynolds has placed commercial coverage for Kentucky businesses since 1974. As an independent agency, that same risk is shopped across 27 carriers instead of priced by one.
Liability & Property
Six lines that cover a business from six different angles.
Most businesses need more than one of these at once. Reynolds writes them individually or packaged, depending on what the risk actually looks like.
General liability
Covers claims that someone was injured or their property was damaged because of your business.
Professional liability
Covers a claim that your work or your advice caused a client a financial loss.
Business property
Covers the building, the equipment, the inventory, the things a business owns and needs to keep operating.
Cyber liability
Covers the cost of a data breach or a ransomware event: notification, recovery, and the liability that follows.
Commercial umbrella
Extra liability limit that sits above your other business policies once a claim runs past them.
Commercial auto
Covers vehicles owned or used by the business, on their own policy, separate from a personal auto policy.
Workers Compensation
Coverage for an employee hurt on the job.
Workers compensation pays medical costs and lost wages when someone is injured working for you, and it protects the business from the liability that would otherwise follow. Reynolds places it across its carrier panel, including KESA, one of the markets the agency writes workers compensation through.
A market built for this class
KESA
One of the carriers Reynolds is appointed with specifically for workers compensation, alongside the rest of the agency’s 27-carrier panel.
Contractors & Trades
Built for the job site, not a generic policy with your name on it.
Contractors insurance
Built around job-site risk: tools, equipment, subcontractors, and the liability that comes with active work sites.
Bonds
The surety bonds a contractor is often required to hold before a job can even be bid.
Restaurant insurance
Covers the risks specific to a kitchen and a dining room, on top of standard property and liability.
Certificates of insurance, on demand
Contractors need a certificate of insurance constantly, usually before a job can even start. Reynolds runs a service centre built for exactly this, alongside billing, claims, and ID card requests, so a certificate does not have to wait on a callback.
Reynolds also writes church insurance, the agency’s largest specialism and the largest church insurance practice in Kentucky and Southern Indiana. See church coverage in detail.
Why independent matters
Twenty-seven companies compete for your policy.
A captive agent works for one insurance company and can only sell what that company prices. Reynolds is appointed with 27 carriers, so a business policy goes out to all of them and comes back as several real options instead of one.
- 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
Serving the entire state of Kentucky
Bring your current policy. Reynolds will tell you honestly if it can be beaten.
A quote costs nothing and takes one conversation with an agency that has placed commercial coverage in Louisville since 1974.