Commercial Insurance

Commercial Insurance

Our Commercial Policy is tailored to the needs of your business. We can cover from one line of insurance up to several lines on a single policy. This flexibility allows you to purchase insurance according to the unique needs and demands of your business.

  • Property Coverages
  • Extensions of Coverage
  • Optional Property Coverages
  • Optional Crime Coverages
  • Liability Coverages
  • Optional Liability Coverages
  • Inland Marine Coverages

Property Coverages
The standard property deductible is $500. Higher deductibles are available for a reduced premium.

We offer the following Cause of Loss Forms:

Basic Cause of Loss
Includes the following perils:

  • Fire
  • Lightning
  • Explosion
  • Windstorm or Hail
  • Smoke
  • Aircraft or Vehicles
  • Riot or Civil Commotion
  • Vandalism
  • Sprinkler Leakage
  • Sinkhole Collapse
  • Volcanic Action

Broad Cause of Loss
All Basic Cause of Loss Perils, PLUS:

  • Falling Objects
  • Weight of Snow, Ice or Sleet
  • Water Damage

Special Cause of Loss Excluding Theft
Risks of direct physical loss except as excluded or limited

Special Cause of Loss Including Theft
Risks of direct physical loss except as excluded or limited

Additional Coverages

  • Debris Removal
  • Preservation of Property
  • Fire Department Service Charge - Up to $1,000
  • Pollutant Clean Up and Removal - Maximum of $10,000
  • Increased Cost of Construction - Maximum of $10,000
  • Electronic Data - Maximum of $2,500 

Extensions of Coverage
At least 80% coinsurance must apply.

Your business will automatically be provided the following extensions of coverage at no extra cost. These can save you money now and more importantly at the time a loss occurs.

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 Effects and Property of Others
Limited to $2,500 at each described premises

Valuable Papers and Records (Other than Electronic Data)
Limited to $2,500 at each described premises

Property Off-Premises
Limited to $10,000

Outdoor Property
Limited to $1,000, but not more than $250 for any one tree, shrub or plant

Non-Owned Detached Trailers
Limited to $5,000 

Some Optional Property Coverages

  • Replacement Cost
  • Inflation Guard
  • Business Income
  • Extra Expense
  • Earthquake
  • Spoilage
  • Peak Season
  • Water Back-Up and Sump Overflow
  • Mine Subsidence (available for qualified counties) 

Some Optional Crime Coverages
(Available only if writing property coverages)

  • Employee Theft
  • Forgery or Alteration
  • Inside the Premises - Theft of Money or Securities
  • Inside the Premises - Robbery or Safe Burglary of Other Property
  • Outside the Premises
  • Computer Fraud
  • Funds Transfer Fraud
  • Money Orders and Counterfeit Money 

Liability Coverages
(Limits Available)

  • $100,000 per occurrence/$200,000 aggregate
  • $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 liability coverage protects your business against claims for which it becomes legally responsible that arise from bodily injury and property damage due to the use of the listed premises and all necessary or incidental operations throughout the coverage territory, including:

  • Personal and Advertising Injury Liability
  • Medical Payments - $5,000 per person
  • Damage to Premises Rented to You - $100,000 any one premises

Exclusions and Limitations Apply

Some Optional Liability Coverages

  • Products/Completed Operations
  • Hired and Non-Owned Auto
  • Barber, Beautician and Nail Care Professional
  • Funeral Directors Professional
  • Veterinarians Professional
  • Employee Benefits Liability
  • Medical Payments Higher Limit - $10,000 any one person

Some Available Inland Marine Coverages to Meet Your Business Needs

  • Accounts Receivable
  • Contractors Equipment
  • Installation Coverage
  • Motor Truck Cargo
  • Signs
  • Small Tools
  • Miscellaneous Articles
  • Valuable Papers

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 local Kentucky Farm Bureau 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 illustrative purposes only. Coverage availability is subject to eligibility and other qualifications. Please consult your policy for actual contract coverage and exclusions. AD-29 (05/12)