The top-rated business insurance agent in Richmond, Kentucky is Chris Brown - State Farm Insurance Agent, rated 4.9 stars across 350 reviews. Other highly rated options include Parsons & Howard Insurance Group LLC, State Farm: Jerry Goble, Jon Clark - State Farm Insurance Agent. This directory lists 20 business insurance agents serving Richmond.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Chris Brown - State Farm Insurance Agent | 638 University Shopping, Center Dr | (859) 623-0180 |
| 2 | Parsons & Howard Insurance Group LLC | 332 High Land Park Dr | (859) 624-9199 |
| 3 | State Farm: Jerry Goble | 444 Big Hill Ave | (859) 623-0350 |
| 4 | Jon Clark - State Farm Insurance Agent | 1010 Brandy Ln Ste F | (859) 623-6218 |
| 5 | The Richmond Insurance Group | 2130 Lexington Rd suite e | (859) 353-5596 |
| 6 | Insurance Pro | 226 E Main St | (859) 624-1500 |
| 7 | Shelter Insurance - Ashley Kovaleski | 610 Big Hill Ave Ste 6 | (859) 624-0883 |
| 8 | Bray and Oakley Insurance Agency | 2150 Lexington Rd d2 | (859) 623-1933 |
| 9 | Nationwide Insurance: Alan K Hatfield Inc. | 136 Big Hill Ave | (859) 623-2970 |
| 10 | Greg Neace: Kentucky Farm Bureau Insurance/ Madison County-North | 296 Michelle Dr | (859) 626-7725 |
Parsons & Howard Insurance Group LLC serves homeowners, businesses, and property managers in Richmond, Kentucky, by offering tailored business insurance coverage. The agency helps local companies protect their assets with policies designed for a variety of commercial risks, including liability and property protection. Their insurance solutions are selected to match the specific needs of each client, supporting enterprises as they operate in the local market. In addition to Richmond, the firm extends its coverage services to clients throughout Madison County and the neighboring Berea area.
State Farm: Jerry Goble offers a full range of business insurance services in Richmond, KY, including liability, property, and commercial auto coverage. The agency works with clients to design customized protection plans that address each business’s unique operational risks and financial needs. Its service model focuses on regular policy reviews to ensure adequate coverage as circumstances change. Jerry Goble’s agency serves single-family homes, apartments, retail stores, and restaurants, helping these diverse property owners manage their local business insurance requirements.
Jon Clark, a State Farm Insurance Agent in Richmond, KY, specializes in business insurance policies that protect local companies from liability and property loss. He also offers general insurance services, helping clients secure coverage for vehicles, homes, and life. Whether a small retail shop or a larger commercial operation, his agency works to tailor plans that address unique operational risks. As winter approaches, many businesses turn to him for advice on managing weather-related disruptions and ensuring their coverage remains adequate for seasonal challenges.
The Richmond Insurance Group serves Richmond, Kentucky, and the surrounding Madison County communities. It handles business insurance policies for local companies, focusing on protecting commercial assets and operations. The agency typically manages coverage for property, liability, and workers' compensation needs. It begins each job by assessing the specific risks a business faces. This analysis then guides the selection of appropriate policies from multiple carriers.
Insurance Pro in Richmond, KY offers both one-time consultations for specific risk evaluations and recurring service options for ongoing policy management. Business insurance coverage typically protects against property damage, liability claims, and income loss from unexpected disruptions. For local enterprises, a tailored policy addresses unique operational exposures common in the region. Service runs on a one-time, scheduled, or as-needed basis, depending on the client’s changing business needs.
As spring storms approach across Madison County, local business owners often reassess their liability coverage to protect commercial assets. Shelter Insurance - Ashley Kovaleski in Richmond, KY, provides business insurance policies tailored to these common seasonal concerns. Coverage options typically include general liability, property protection, and workers’ compensation designed for operations of varying scale. Each local risk assessment considers the specific business location and the types of commercial activities undertaken. A prospective client schedules an appointment for an on-site inspection of their facilities to determine exact premium calculations and coverage limits.
Bray and Oakley Insurance Agency in Richmond, KY provides comprehensive coverage for local enterprises, specializing in tailored policies that protect against common commercial liabilities, property damage, and income interruptions. The agency’s expertise includes routine risk assessments and policy adjustments to meet evolving business needs. Their commercial offerings serve a variety of sectors, including offices, warehouses, and food service establishments, ensuring proper protection for daily operations, inventory, and physical assets in the region.
Nationwide Insurance: Alan K Hatfield Inc. in Richmond, KY assists local homeowners with residential property policies. For business clients in the area, the agency provides commercial coverage to protect operations, assets, and liability risks. The office serves Richmond and the surrounding Madison County region. Clients can contact the agency for initial policy setup and obtain adjustments for seasonal needs. Follow-up service between regular visits ensures coverage remains aligned with evolving business requirements.
Greg Neace: Kentucky Farm Bureau Insurance/ Madison County-North in Richmond, KY provides business insurance agents who help local companies manage their coverage needs for property, liability, and commercial vehicles. They assist small business owners in assessing risks unique to their operations. Their service range includes protecting farms and agricultural enterprises as well. A specialty service this agency can add on is cyber liability insurance to guard against data breaches.
What Does a a Business Insurance Agent in Richmond Cost?
Typical costs for business insurance in Kentucky depend on your industry payroll and risk level. A small office might pay 400 to 800 dollars per year for general liability. A restaurant could pay 2000 to 5000 dollars for property and liability coverage. Workers compensation rates are set by the Kentucky Department of Insurance and vary by job classification. This is general information and not insurance advice.
About business insurance agents in Richmond
Business insurance agents in Richmond Kentucky help local companies find coverage for general liability commercial property and workers compensation. Kentucky law requires most employers with three or more employees to carry workers compensation insurance. An agent can help you understand these requirements and find policies that match your specific business needs.
Frequently Asked Questions
What types of business insurance are required in Kentucky?
Kentucky law requires workers compensation insurance for most employers with three or more employees. Commercial auto insurance is required if you use vehicles for business. General liability and property insurance are not required by state law but are often required by landlords or contracts.
How do I choose a business insurance agent in Richmond?
Look for an agent who is licensed in Kentucky and has experience with your industry. Ask about their access to multiple insurance carriers so they can compare quotes. Check their reviews and verify their license through the Kentucky Department of Insurance.
What is the typical cost of business insurance in Kentucky?
Costs vary widely based on business type size and location. A small retail shop might pay 500 to 1500 dollars per year for general liability. A construction company could pay 3000 to 10000 dollars or more for combined coverage. An agent can provide quotes specific to your business.
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