Kentucky Commercial Property Insurance

While a homeowners policy is designed for residential properties, commercial property insurance provides coverage for businesses, including offices, retail stores, and warehouses.

Commercial property insurance through The Allen Thomas Group provides comprehensive protection for businesses of all sizes. Our business insurance coverage starts with your physical building structure, whether owned or leased, protecting against damages from fire, storms, vandalism, and other covered perils.

Business personal property insurance covers everything inside your building. In simple words, personal property insurance covers property at a specified location, such as office furniture, inventory, or equipment.

We recognize that businesses can’t afford downtime, so our business income protection maintains your cash flow if covered property damage forces a temporary shutdown. 

Equipment breakdown coverage steps in to cover the cost of repairing or replacing vital machinery, keeping your operations running smoothly.

When a disaster strikes, you need the right coverage that is best meant to take care of the covered cause of loss of income.

Debris removal coverage for property helps clear the way for rebuilding, while building code coverage handles any increased costs from updated regulations that affect reconstruction. This applies while the premises are being restored because of damage from an event.

Your commercial property insurance policy must include coverage for flood damage, as flooding is a common risk in the state. 

Before purchasing commercial property insurance, it’s crucial to consider factors like the property’s location, size, and the specific needs of your neighborhood or business. 

But it all begins with finding out how much coverage is required. 

Let’s help you do that so you income continues even if your business is closed. 

To ensure optimal protection for your commercial property, carefully consider the type of insurance policy and range of coverage best for your business.

Digital Asset Protection and Cyber Coverage for KY Businesses

Modern businesses face property risks that extend beyond physical damage. 

Digital assets stored on-site require specialized protection beyond standard property coverage.

Standard commercial property policies typically exclude flood as a covered peril. 

Our digital asset protection plans safeguard your business data, computer systems, and technology infrastructure against physical damage from fires, floods, and other covered perils. 

Kentucky’s manufacturing hub relies heavily on computer-controlled equipment.

Our coverage protects both the physical components and the programming that runs your machinery.

Medical practices across the Commonwealth need protection for expensive diagnostic equipment and their operating systems.

Law firms and financial services companies in Louisville and Lexington maintain critical client data that requires both physical and cyber protection.

Power surges from severe storms can damage sensitive electronics and corrupt stored data.

Our coverage specifically designed to protect your computer related equipment includes data recovery costs and temporary equipment rental to maintain operations.

Temperature control system failures in server rooms receive immediate response coverage. 

Back-up power system damage from lightning strikes falls under our comprehensive electronics protection.

Expanded Industry-Specific Coverage Solutions

Manufacturing and Distribution Operations

The local Kentucky manufacturing sector spans automotive parts, appliances, and industrial equipment. 

These operations need specialized coverage for high-value machinery, custom tooling, and raw materials.

We can help you determine the type of policy and range of coverage required for manufacturing operations.

Our manufacturing coverage includes protection for overhead cranes, conveyor systems, and robotics.

Distribution centers across the logistics corridor receive coverage for loading docks, material handling equipment, and inventory management systems.

Agriculture and Farming Operations

Agricultural businesses acquire this coverage as part of comprehensive property protection. 

Our farm coverage protects grain storage facilities, processing equipment, and livestock buildings. 

Tobacco barn coverage includes special provisions for curing equipment and stored crops.

Equine facilities receive protection for specialized veterinary equipment and training facilities.

Organic farming operations get coverage for certification-compliant buildings and processing areas.

Tourism and Hospitality Businesses

Bourbon trail distilleries need specialized coverage for aging warehouses and production facilities.

Hotels throughout the Commonwealth receive protection for guest property and amenity areas.

Convention centers and business facilities in Louisville and Northern Kentucky get coverage for exhibition spaces and event equipment.

Restaurant properties receive specific protection for cooking equipment and food storage systems.

Educational Facilities

Private schools and training centers across the state need comprehensive property protection. 

Our educational insurance policies may include coverage for classroom technology, laboratory equipment, and athletic facilities.

Libraries receive protection for collections and archive storage.

Vocational schools get coverage for training equipment and workshop spaces. Campus housing facilities receive specialized residential property protection.

Construction and Contractors

Kentucky’s construction industry needs mobile equipment coverage and project site protection.

Our contractor coverage includes temporary structures and building materials. Heavy equipment receives protection both on-site and during transport. 

Tool and supply storage facilities get comprehensive theft and damage coverage.

Technology Companies

The growing technology sector requires specialized property protection.

Our coverage protects development laboratories and testing facilities. 

Clean rooms and specialized manufacturing areas receive contamination protection.

Data centers get coverage for cooling systems and backup power infrastructure.