Small Business Insurance Leitchfield KY

Most states will require you to have some sort of workers compenstation policy and it is never a bad idea to have some liability coverage. Five states (CA, NY, NJ, RI and HI) also require you to offer short term disability. If you are in one of these states and fail to provide the workers comp or short term disability coverage, you could face a very costly fine down the road.

Erich Castillo
1008 South Broadway
Lexington, KY
Company
Company: Cornerstone Wealth Management
Type
Investment Advisor Rep: Yes
Education
University of Kentucky
Bachelor of Arts in Education
Bachelor of Business Administration
Service
Disability Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Fee Only Portfolio Management,Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicaid,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidatio

Data Provided by:
Ditsler Insurance Agency
(502) 895-0812
1313 Lyndon Lane
Louisville, KY
 
Gab Business Services Inc
(270) 683-5315
3520 New Hartford Rd
Owensboro, KY
 
American Income Life
(270) 360-0508
100 Par Ln
Elizabethtown, KY
 
Allstate Insurance Companies
(270) 247-2919
302 Broadway St
Paducah, KY
 
Kentucky Farm Bureau Insurance
(606) 864-9303
819 N Main St
London, KY
 
Dillard Patricia Insurance Agy Inc
(270) 842-8154
2317 Russellville Rd
Bowling Green, KY
 
State Farm Insurance
(606) 877-3390
1407 W 5th St
London, KY
 
Calvert & Nunn Insurance Inc
(270) 651-2288
121 E Main St
Glasgow, KY
 
Action Insurance Agency
(502) 897-2583
113 Fairfax Ave Ste 1
Louisville, KY
 
Data Provided by:

Business Protection for Solo Entrepreneurs

Q: I am planning to start my own business and am not sure whether or not I need small business insurance. How do I determine if this is a start-up requirement, the type of coverage I need and where would be the best place to get it

Most states will require you to have some sort of workers compenstation policy and it is never a bad idea to have some liability coverage. Five states (CA, NY, NJ, RI and HI) also require you to offer short term disability. If you are in one of these states and fail to provide the workers comp or short term disability coverage, you could face a very costly fine down the road.

Depending on what services your business provides, this can be more or less important. My advice is to speak with an experienced commercial insurance advisor and they can tell you what they feel you must have and should consider based on your specific situation.

 

It does not automatically transfer over to you. If you now own the ring, you need to buy a policy in your name to protect it. Most personal lines agents can handle this policy quickly. Some policies might offer no deductible and/or an agreed value on the ring, so you may want to evaluate what coverage is important to you given the premium differentials.

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