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Business Insurance


Business InsuranceOur Businessowners Policy provides a package of coverages to meet the needs of many small to medium sized businesses. This policy covers buildings and personal property on a replacement cost basis and automatically includes business income and extra expense coverage. It also includes a building limit-automatic increase and a business personal property limit-seasonal increase. 

Property Coverages
Our policy is written under the "Businessowners Coverage Form". This provides for risks of direct physical loss except as excluded. The standard deductible is $500. Higher deductibles, as well as a $250 deductible, are available.

Additional Coverages

  • Debris removal
  • Preservation of property
  • Fire department service charge - up to $2,500*
  • Collapse
  • Water damage, other liquids, powder or molten material damage
  • Business income
  • Extra expense
  • Pollutant clean up and removal - up to $10,000
  • Civil authority
  • Money orders and "counterfeit money" - up to $1,000
  • Forgery or alteration - up to $2,500*
  • Increased cost of construction - up to $10,000
  • Business income from dependent properties - up to $5,000*
  • Glass expenses
  • Fire extinguisher systems recharge expense - up to $5,000
  • Electronic data - Up to $10,000*
  • Interruption of computer operations - up to $10,000*
  • Limited coverage for "fungi", wet rot, dry rot and bacteria - up to $15,000

Coverage Extensions
Newly acquired or constructed property
- Buildings - maximum of $250,000 at each building
- Business personal property - maximum of $100,000 at each building
- Maximum of 30 days

Personal Property Off Premises
- Limited to $10,000

Outdoor Property
- Limited to $2,500, but not more than $500 for any one tree, shrub or plant.

Personal Effects
- Limited to $2,500 at each described premises

Valuable Papers and Records
- Limited to $10,000* in any one occurrence at the described premises
- Limited to $5,000* not at the described premises

Accounts Receivable
- Limited to $10,000* in any one occurrence at the described premises
- Limited to $5,000* not at the described premises

Some Optional Property Coverages Available to Meet Your Business Needs.

  • Outdoor sign coverage
  • Money and securities
  • Earthquake
  • Employee dishonesty
  • Forgery and alteration
  • Computer fraud and funds transfer fraud
  • Equipment breakdown protection coverage
  • Mechanical breakdown
  • Spoilage coverage
  • Water back-up and sump overflow
  • Mine subsidence (available for qualified counties)
  • Ordinance or law coverage 

Liability Coverages
$300,000 per occurrence/$600,000 aggregate
$500,000 per occurrence/$1,000,000 aggregate
$1,000,000 per occurrence/$2,000,000 aggregate
$2,000,000 per occurrence/$4,000,000 aggregate
$3,000,000 per occurrence/$6,000,000 aggregate
This legal liability coverage protects your business against claims arising from bodily injury and property damage due to the use of the listed premises and all necessary or incidental operations throughout the U.S., including:

Products/Completed Operations

  • Personal and advertising injury
  • Medical expenses – $5,000* any one person
  • Damage to premises rented to you - $50,000* any one premises 

Optional Liability Coverages Available to Meet Your Business Needs

  • Hired and non-owned auto
  • Barber, beautician and nail care professional
  • Funeral directors professional
  • Optical and hearing aid professional
  • Printers errors and omissions
  • Veterinarians professional
  • Employee benefits liability

* Higher limits are available for an additional premium

Kentucky Farm Bureau Mutual Insurance Company
We are pleased to offer your business broader coverage and greater freedom than ever before. This personalized policy includes coverages usually needed by businesses, yet is designed to meet your business's personal needs.

We are the largest property and casualty insurance company domiciled in Kentucky with at least one sales/service office in each county. Each is operated by a well-trained professional staff. Kentucky Farm Bureau claims representatives are strategically located throughout the state. They are always eager to be of service, should you ever need them

Fast Claims Service
We have adjusters throughout Kentucky, so when you call for help you can expect your claim to be handled quickly and efficiently.

Be Sure with Kentucky Farm Bureau Insurance
Contact your Kentucky Farm Bureau Insurance agent for more details about policy coverages and availability. No matter where you are in Kentucky, there's an agent near you.

Representations contained in this web page are for illustration purposes only. Coverage availability is subject to eligibility and other qualifications. Please consult your policy for actual contract coverage and exclusions. AD-3 (02-09)


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