The top-rated commercial 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 commercial 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 | Kentucky Farm Bureau Insurance | 300 High Land Park Dr | (859) 623-5254 |
Parsons & Howard Insurance Group LLC serves small business owners, property managers, and local enterprises in the Richmond area. It offers commercial insurance agent services, helping clients secure coverage for liability, property, and other operational risks. The agency works with various industries to assess unique needs and find appropriate policies. Its coverage area also extends to communities throughout Madison County, including the neighboring city of Berea.
State Farm: Jerry Goble provides a range of commercial insurance services in Richmond, KY, including general liability and property coverage tailored for local businesses. Maintenance plans are available to help adjust policy limits as inventory, equipment, or foot traffic patterns evolve throughout the year. Annual policy reviews ensure coverage remains aligned with operational changes, while claims assistance guides by policyholders through the filing process. The agency services commercial properties including single-family homes, apartments, retail spaces, and restaurants.
Jon Clark – State Farm Insurance Agent in Richmond, KY specializes in commercial insurance products for local businesses, including liability and property coverage. It also offers general policies such as auto and life insurance for individuals. The agency helps business owners manage routine risks and navigate coverage options that align with their operational needs. As seasonal weather patterns affect the region, the agent assists clients in reviewing policies to address potential storm or winter-related property damage before claims arise.
The Richmond Insurance Group serves Richmond, Kentucky, and the surrounding Madison County communities. As a commercial insurance agent, the company handles policies tailored to local businesses, including general liability and property coverage. It also manages workers’ compensation and commercial auto protection for companies of various sizes in the area. The agency approaches each job by first conducting a thorough assessment of a business’s specific operations and risk factors before recommending appropriate coverage options from its available carriers.
Insurance Pro, located in Richmond, KY, operates as a commercial insurance agent, offering both one-time coverage for specific projects and recurring policies for ongoing business operations. Their services include assessing risks and securing policies that shield local enterprises from financial losses due to property damage or liability claims. These policies safeguard assets ranging from storefront inventory to construction equipment. Service engagements with Insurance Pro are arranged on an as-needed basis, allowing businesses to request consultations and policy adjustments according to their evolving commercial requirements.
As Richmond businesses prepare for seasonal inventory shifts or the start of a new construction project, Shelter Insurance - Ashley Kovaleski provides local commercial insurance agent services tailored to protect those assets. The agency works to assess coverage needs for small to mid-size businesses against common regional risks. For a new business or renewal, the first step involves scheduling a personalized consultation to review current operations and discuss potential liability concerns. This process typically begins with an inspection of the premises to evaluate specific exposures.
Bray and Oakley Insurance Agency provides commercial insurance policies to businesses throughout the Richmond, KY area, helping them manage general liability and property risks. The agency also offers specialized coverage endorsements tailored to match unique operational exposures commonly found in local enterprises. These supplementary options protect against income interruption, equipment breakdown, and liability arising from third-party premises use. The firm serves commercial sectors including professional offices, warehouse and storage facilities, and food service establishments of all sizes.
Nationwide Insurance: Alan K Hatfield Inc. in Richmond, KY provides residential insurance protection for local homeowners. The agency also offers commercial coverage tailored for area businesses, addressing liability, property, and other operational risks. Clients from Richmond and surrounding counties receive in-person guidance to select appropriate policies for their commercial needs. Regular appointments allow the agent to review coverage changes as businesses grow, ensuring consistent support between scheduled visits with follow-up service when policy adjustments are required.
Kentucky Farm Bureau Insurance, located in Richmond, Kentucky, provides commercial insurance coverage through either one-time policies tailored to a specific project or recurring plans designed for ongoing business operations. Their services address standard property and liability risks that local enterprises commonly face. Depending on the client’s needs, coverage can be arranged on a one-time, scheduled, or as-needed basis, with adjustments made as circumstances change.
What Does a a Commercial Insurance Agent in Richmond Cost?
The cost of commercial insurance in Kentucky varies by business type, size, and risk factors. A small retail shop in Richmond might pay 500 to 1,500 dollars per year for general liability. A construction company could pay 3,000 to 10,000 dollars annually for a package policy. Workers compensation rates are set by the Kentucky Department of Insurance based on industry classification. This is general information and not insurance advice.
About commercial insurance agents in Richmond
Commercial insurance agents in Richmond Kentucky help business owners protect their assets with tailored policies. Kentucky law requires certain businesses to carry workers compensation insurance if they have multiple employees. Agents in Richmond understand local risks such as weather events and liability concerns for small and medium enterprises.
Frequently Asked Questions
What types of commercial insurance do Richmond businesses need?
Common types include general liability, property insurance, workers compensation, and commercial auto. Kentucky law mandates workers compensation for most employers with three or more employees. An agent can help you assess your specific needs.
How do I choose a commercial insurance agent in Richmond?
Look for an agent licensed in Kentucky with experience in your industry. Ask about their familiarity with local regulations and claims processes. Check their reputation with the Kentucky Department of Insurance.
Does Kentucky require commercial auto insurance for business vehicles?
Yes, Kentucky requires liability coverage for all registered vehicles used for business. Minimum limits are 25,000 dollars per person for bodily injury and 50,000 dollars per accident. An agent can help you meet these requirements.
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