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Protecting Your Contracting Business in St. Matthews, Kentucky With The Allen Thomas Group Insurance Agency
Looking for Construction or Contractor insurance in St. Matthews, Kentucky?
At The Allen Thomas Group Insurance Agency, we understand the unique risks you face as a contractor in St. Matthews, Kentucky.
You work hard to build your business and serve your clients, but accidents can happen on any job site.
That’s why we’re here to help you safeguard your livelihood with tailored contractor insurance solutions.
So why not get a quote from our team to see how we can help?
How much does contractor insurance cost in St. Matthews, Kentucky?
The average cost of contractor insurance in St. Matthews, Kentucky ranges from $200 to $250 per month for a full coverage policy, which typically includes general liability, workers’ compensation, and commercial auto coverage. Specific rates can vary based on factors like the contractor’s specialty, business size, claims history, and locations served within the state.
Table of Contents
Understanding the Unique Risks Faced by St. Matthews Contractors
St. Matthews is a hub for construction projects, but with opportunity comes risk.
As a contractor, you navigate challenges every day:
- Injuries to your employees or subcontractors
- Damage to client property or equipment
- Liability claims from third parties
- Delays due to weather or supplier issues
One accident can lead to financial devastation if you’re not properly insured.
The Allen Thomas Group helps St. Matthews contractors identify and mitigate these risks with the right coverages.
Types of Insurance Coverage for St. Matthews Contractors
We offer a range of Kentucky contractor insurance options to fit your specific needs:
- Covers third-party claims for bodily injury, property damage, and personal injury
- Protects your business from lawsuits and legal fees
- Includes coverage for products and completed operations
- Provides coverage for premises liability
- Pays for medical expenses, lost wages, and rehabilitation costs for employees injured on the job
- Covers legal fees if an employee sues for a work-related injury
- Provides death benefits to the family of an employee killed in a work-related accident
- Complies with Kentucky state requirements for employers
- Insures your work vehicles for accidents, theft, vandalism, and damage
- Covers bodily injury and property damage to third parties in an accident
- Provides coverage for your employees when driving for work purposes
- Offers optional coverage for hired and non-owned vehicles
- Protects against claims of negligence, errors, or omissions in your professional services
- Covers legal defense costs and damages awarded in a lawsuit
- Provides coverage for breach of contract and misrepresentation claims
- Offers optional coverage for pollution liability and cyber liability
Surety Bonds
- Guarantees your performance and payment obligations on a project
- Includes bid bonds, performance bonds, and payment bonds
- Protects project owners and investors from contractor default
- Required for many public and private projects in St. Matthews and throughout Kentucky
Specialized Coverages for Your Trade
As a contractor in St. Matthews, your insurance needs may vary depending on your trade.
We offer additional coverages tailored to specific industries:
- Electricians:
- Installation floater to cover materials and equipment during transit and installation
- Damage to premises coverage for accidental property damage during work
- Coverage for electrical testing and maintenance equipment
- Plumbers:
- Tools and equipment coverage for owned and leased tools
- Sewer and drain backup coverage for damages caused by backups
- Pollution liability coverage for hazardous material spills
- HVAC Contractors:
- Mechanical breakdown coverage for heating and cooling equipment
- Refrigerant contamination coverage for accidental release of refrigerants
- Coverage for lost income due to equipment breakdown
- Roofers:
- Scaffolding and staging coverage for owned or rented scaffolds
- Coverage for debris removal and disposal after a job
- Weather-related damage coverage for materials and equipment
- Carpenters:
- Lumber and building materials coverage during transit and storage
- Installation floater for cabinets, doors, and trim
- Coverage for rented or leased woodworking equipment
Our St. Matthews business insurance agents will work with you to create a customized insurance package that addresses your unique risks and requirements.
Additional Coverages for Specialized Contractors
Beyond the standard insurance policies, we offer specialized coverages to further protect your business:
- Equipment and Tools Coverage: Insures your owned and leased equipment against theft, damage, and loss.
- Installation Floater: Covers materials, supplies, and equipment during transit, storage, and installation.
- Pollution Liability: Protects against claims of bodily injury, property damage, and environmental damage caused by pollutants.
- Cyber Liability: Safeguards your business from data breaches, cyber-attacks, and online threats.
- Umbrella/Excess Liability: Provides additional liability coverage beyond your primary policy limits.
Dedicated Contractor Insurance Solutions in St. Matthews, Kentucky Customized For You
We know how frustrating and complex the process of finding the best local commercial insurance agents can be.
Let us help fix it for you in 3 easy steps!
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Navigating Kentucky Contractor Insurance Requirements
Kentucky has specific insurance regulations for contractors.
To operate legally in St. Matthews, you must carry:
- Workers’ compensation insurance if you have employees
- Commercial auto insurance for business-owned vehicles
- General liability insurance for certain trades, such as electricians and plumbers
Failure to comply with these requirements can result in fines, penalties, and even the loss of your contracting license.
The Allen Thomas Group stays current with all Kentucky regulations to ensure your business remains compliant.
The Allen Thomas Group Difference
When you choose The Allen Thomas Group for your contractor insurance needs, you benefit from:
- Expertise: Our agents specialize in insuring St. Matthews contractors and understand your unique challenges.
- Personalized Service: We take the time to assess your risks and create a tailored insurance plan.
- Competitive Pricing: We shop around to find you the best coverage at the most affordable rates.
- Claims Support: Our dedicated claims team is here to help you navigate the process and get back to work quickly.
Real-Life Scenario: A Costly Mistake
Imagine you’re a plumber working on a new home build in St. Matthews.
You accidentally forget to tighten a union fitting, causing a leak that damages the hardwood floors. Without proper insurance, you could be on the hook for thousands in repairs.
With general liability coverage from The Allen Thomas Group, you can have peace of mind knowing you’re protected against such mistakes.
Our Carrier Partners
That allows us to find the best insurance premium rates for your business needs in St. Matthews, KY
Our Commitment to St. Matthews Contractors
At The Allen Thomas Group, we’re more than just a St. Matthews insurance agency.
We’re your partner in protecting and growing your contracting business.
We promise to:
- Always put your needs first
- Provide honest, expert advice
- Be there for you when claims arise
- Help you mitigate risks and improve safety
- Offer ongoing support and resources
Get a Customized Contractor Insurance Quote in St. Matthews, KY Today
Ready to safeguard your contracting business?
Get started with a free, no-obligation insurance quote from The Allen Thomas Group.
Here’s how:
- Contact our office by phone at (440) 826-3676 or fill out our online form by clicking on the button below
- Provide some basic information about your business and insurance needs
- Let us shop around with our top carriers for the best coverage options given your trade
- We’ll review your customized insurance proposal
- Choose the plan that fits your budget and requirements
Don’t wait until an accident happens to get insured. Protect your contracting business in St. Matthews today with help from The Allen Thomas Group.
Zip codes We Serve In St. Matthews
40041 / 40205 / 40207 / 40222
Kentucky Construction and Contracting Trades Our Agency Provides Insurance Coverage
- Appliance Repair
- Carpenter
- Concrete Contractor
- Drywall Contractor
- Electrician
- Electrical Equipment Installation
- Excavation Contractor
- Fence Installation
- Fiber Optic Installer
- Flooring Contractor
- Framing Contractor
- General Contractor
- Glass and Glazing Contractor
- HVAC Contractor
- Handyman Services
- Home Renovation and Remodeling
- Landscaper
- Masonry
- Painter
- Paving Contractor
- Plumber
- Roofing Contractor
- Sheet Metal Contractor
- Septic Tank Contractor
- Snow Plowing
- Steel Erectors
- Tile and Stone
- Telecommunications & Equipment Installer
- Utility Contractor