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

Kentucky Farm Bureau Insurance's flexible commercial policy allows you to purchase insurance according to the unique needs and demands of your business. We can cover from one line of insurance up to several lines on a single policy. 

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 
• Pollutant Clean Up and Removal 
• Increased cost of construction
• Electronic data

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
• Personal effects and property of others
• Valuable papers and records (other than electronic data)
• Property off-premises
• Outdoor property
• Non-owned detached trailers

Some optional property coverages

• Replacement cost
• Inflation guard
• Business income
• Extra expense
• Earthquake
• Spoilage
• Peak season
• Water back-up and sump overflow

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 up to $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 
• Damage to premises rented to you

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

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

If you have experienced property damage or a loss, click here for instructions on what to do next. 

For answers to frequently asked questions regarding business claims, click here.

Download our Property Loss Checklist. Print it out and keep it handy for quick reference.

Kentucky Farm Bureau Insurance has been serving families of the Bluegrass since 1943. We are the largest property and casualty insurance company in Kentucky. We're located where our customers are — in each and every one of the 120 counties in the Commonwealth. Tired of dealing with a computer or answering service? We're hometown people ready to serve you on a personal basis.

Kentucky Farm Bureau Insurance is rated A (excellent), one of the highest ratings awarded by the A.M. Best Company, the most respected name in insurance rating services. In addition, we are currently rated an A+ with the Better Business Bureau (BBB). BBB ratings are based on 13 trust-related factors, including fair and appropriate handling of any customer complaints filed with BBB, business stability as represented by numerous years of business, and compliance with BBB’s Standards of Trust.

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