Comprehensive Coverage for Your Business and Employees.

We are a small business just like you. We have been locally owned and operated in Paducah since 1867. We understand what is needed to protect you from catastrophic financial loss. Regardless of whether you have been in business for 150 years or 1 year, you have invested a considerable amount of energy, effort and time to ensuring that the business runs smoothly and is profitable. As such, you should protect that effort to ensure it does not go to waste.

We have markets for the common insurance needs of small business owners.

Business Owners Insurance (BOP)

A business owners policy combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to you.

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General Liability Insurance

No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business.

Business Auto Insurance

Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.

Commercial Property Insurance

Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property.

Workers’ Compensation Insurance

Workers’ compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer and more productive workplace.

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Commercial Umbrella Insurance

Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We’ll work with you to find the right umbrella solution to cover all your business needs.

Cyber Liability Insurance

Cyber liability insurance protects your business against the expenses associated with a data breach. We’ll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs.

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Employment Practice Liability Insurance (EPLI)

As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively.

Errors & Omissions Liability Insurance (E&O)

Errors & omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions or represents the needs of others. We’ll design coverage that will ensure that one simple mistake does not cause financial devastation.

Directors & Officers Liability Insurance (D&O)

Directors & officers liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. We’ll work with you to protect your organization’s greatest asset: your senior leadership.

Flood Insurance

At least 25 percent of businesses that close after destructive events such as floods never reopen. We’ll design a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.

Crime Insurance

Every company, regardless of size, is a potential target for white collar crime. We’ll work with you to design insurance coverage that helps you minimize risk and protects your business and your assets from theft, fraud and forgery.

Builders Risk Insurance

Did you know you can protect your properties even before they are finished being built? Builders risk insurance protects from risks like fire, theft and more.

Liquor Liability Insurance

As a business that serves alcohol, liquor liability insurance is essential. This type of policy protects you and your business in the unfortunate event that a customer causes damage or injury after being served alcohol by your business.

Surety Bonds

A surety bond is a great way to guarantee that a large investment in a project is not lost—whether or not the work gets done. This type of insurance is especially common in the construction industry, and is often utilized for government contracts.

Inland Marine Insurance

Inland marine insurance is coverage that protects your business property while it’s away from your business location. We’ll help you ensure that your property is protected not only at your location but also while it is off-site or in transit.

Systems Breakdown Insurance

Systems breakdown insurance covers the sudden and accidental, physical damage to equipment that requires its repair or replacement. We’ll design comprehensive coverage to protect your business against a financial disaster.

Key Man Life Insurance

Key man life insurance can keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. We’ll work with you to design coverage that helps assure continuity of your business for employees, customers and creditors.

Each industry has its own set of unique risks and requires specialized insurance to protect what matters most. Our insurance advisors have in-depth knowledge and experience with a variety of industries, including those featured below.

Artisan Contractor Insurance

Contractor insurance isn’t one-size-fits-all. A specialized policy allows you to easily customize and simplify your insurance coverage to ensure that your business’ unique needs are protected.

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Garage Repair Shop Insurance

Garage repair shops face high financial risks simply because of the nature of the business. A specialty insurance policy can protect your garage repair shop from potentially devastating financial losses.

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Medical Office Insurance

Just as your patients need to maintain insurance coverage, so should you. Your medical office comes with a unique set of risks and a specialty medical office insurance policy can keep you protected against a loss.

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Professional Services Insurance

When your business handles services that are very personal, it’s important to have the right insurance in place to protect your clients and your business. Professional services insurance is a great way to manage this.

Restaurant Insurance

Restaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.

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Retail Business Insurance

As a small business owner, you have a lot to think about. Customized retailer insurance coverage can help to take some of those worries off of your plate.