Business & Commercial Insurance

Business Insurance Overview

Commercial Insurance for Businesses Across Kentucky

Starting a business is an investment and a commitment, and so is protecting that investment. To keep your hard work from taking a financial hit due to unforeseen circumstances, you will want a business insurance policy you can trust. 

At The Curtis Owens Agency, we work closely with business owners throughout Kentucky to match them with a business insurance policy tailored to their industry and insurance needs. We will help you identify the unique risks your business may face so that your insurance policy can reflect equal coverage. 

Commercial Coverages

Farm Insurance

Protect your farm & agriculture business, equipment and employees

Surety Bonds

Assures clients that your business will complete obligations & requirements

Commercial Auto

Coverage for your work vehicles, accidents and incidents


Professional liability, general liability, cyber liability and more.

Workers' Compensation

Workers compensation protects your business and your employees in case of a workplace injury. This insurance can help with an employee’s medical bills, disability benefits, wage replacement and more if they are injured on the job. It also serves to protect the business against a possible lawsuit regarding the injury.  

Workers compensation is required in most states depending on the industry and number of employees. In Kentucky, employers with even a single employee (part-time, full-time, etc.) must carry workers compensation insurance. 


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