Businessowners policy coverage options

From bakeries to nail salons, our businessowners policy has you covered! Talk with a local agent to find the best coverage package for you and your business.

Property coverages
Our policy is written under the "Businessowners Coverage Form." This provides for risks of direct physical loss except as excluded.

Additional coverages

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

Coverage extensions

  • Newly acquired or constructed property
  • Personal property off premises
  • Outdoor property
  • Personal effects
  • Valuable papers and records
  • Accounts receivable

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
  • Ordinance or law coverage 

Liability coverages

  • Limits up to $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 
  • Damage to premises rented to you

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

Life's Blueprints: A KFB Insurance Blog

Information that will help keep you and your loved ones safe and savvy – whether you’re on the road or in your old Kentucky home.

Avoid 'fowl' play with these Thanksgiving cooking tips
Avoid 'fowl' play with these Thanksgiving cooking tips

Thanksgiving is the peak day for home cooking fires. In 2015, U.S. fire departments responded to more than 1,700 on that day alone.

Winterizing your warm weather wheels
Winterizing your warm weather wheels

One of the biggest mistakes people make when storing a vehicle for the winter is leaving the fuel gauge at its current level. Gasoline can go bad in as little as 60 days and cause damage that far exceeds the bill for a new tank of fuel.