Kentucky Commercial Auto Insurance

We’re not just insurance agents; we’re your neighbors. For over two decades, we’ve served Kentucky businesses from Paducah to Pikeville. 

Our local expertise means we understand the unique challenges you face.

What sets us apart?

We’re Kentucky-focused, knowing the difference between insuring a horse trailer in Lexington and a delivery truck in Louisville.

We offer personalized service, eschewing cookie-cutter policies in favor of coverage tailored to your specific needs.

Our claims advocacy ensures that if you need to file a claim, we’re in your corner every step of the way. 

We provide ongoing support, ensuring your coverage keeps pace as your business grows.

Our industry expertise allows us to understand the nuances of various industries, from agriculture to manufacturing. 

We practice proactive risk management, not just selling policies but helping you identify and mitigate risks before they become issues.

We believe in transparent communication, explaining your coverage in plain English without resorting to insurance jargon. And thanks to our relationships with multiple insurers, we can offer competitive pricing to find you the best rates.

Types of Businesses We Insure

From the horse farms of Lexington to the bourbon distilleries of Bardstown, we’ve got business covered with different types of insurance. 

Commercial auto insurance is required for a range of businesses, including construction companies, delivery services, landscaping businesses, retail stores, food trucks, contractors, cleaning services, trucking companies, taxi and limousine services, healthcare providers, and real estate agencies. 

Each industry faces unique risks, and we tailor policies to fit your specific needs.

Let’s break down what commercial auto insurance covers for different industries. 

Construction companies rely on our coverage to protect their trucks that haul heavy equipment to job sites across the state.

We safeguard these valuable assets and cover liability if your equipment causes damage on the road. 

Delivery services, operating from Louisville’s bustling urban core to rural areas near the Daniel Boone National Forest, benefit from our fleet coverage designed for the unique risks of frequent stops and deliveries. 

Food trucks serving up Kentucky’s famous hot browns at events statewide enjoy policies that cover their mobile kitchens and specialized equipment.

Healthcare providers operating mobile medical units to serve Kentucky’s rural communities can rest easy, knowing their vehicles and medical equipment are protected as they travel to provide care.

The Claims Process: What to Expect 

We hope you never have to file a claim, but if you do, we’re here to make the process as smooth as possible.

First, report the incident by contacting us as soon as possible after an accident or loss. Next, document the details by taking photos, gathering witness information, and filing a police report if necessary.

An adjuster will then conduct a claims assessment, evaluating the damage and determining coverage. We’ll work with you on repair and resolution, getting your vehicle fixed and back on the road. 

Finally, we’ll follow up to ensure you’re satisfied with the resolution.

What if you’re not at fault? 

We’ll work with the other party’s insurance company to recover your losses, minimizing your out-of-pocket expenses.