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What type of insurance do you need?
Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, it's covered by a suitable homeowners insurance policy in Kentucky. Home insurance will pay for repairs to the home and replacement of belongings, pay for someone else's injuries on the property when it's the homeowner's fault, and may pay for temporary living expenses if the home is so badly damaged that it's uninhabitable.
In Kentucky, the minimum coverage limits are $25,000 for individual injuries, $50,000 for total injuries in an accident, and $10,000 for any resulting property damage. Kentucky law mandates these minimums to help ensure that drivers select adequate coverage for the most common accidents. Vehicle owners have the option to invest in more coverage, a decision that usually pays off in a big way if they ever end up in a serious accident where the costs exceed the coverage limits.
Kentucky commercial insurance is designed to protect a company from large financial losses associated with property damage, forced long-term closures, liability lawsuits, and other exposures faced by businesses their particular industry. A standard business insurance policy should pay for damage to the building, damage to business property, and accidents in company vehicles. A comprehensive business insurance policy can also cover many other losses.
The state of Kentucky mandates that all businesses with at least one employee must carry worker's compensation insurance. There are a few exceptions. It is not necessary to purchase coverage for sole proprietors, LLC members, or partners, though they can be covered if desired.
Restaurants in Kentucky need three basic types of insurance: property, liability, and employee coverage. Keep in mind that each type of insurance has sub-types of more specialized insurance depending on the type of restaurant and the services offered. Many restaurants have added policies for delivery and buffet services. Food spoilage is also a popular add-on policy for restaurants.
All commercial vehicle insurance policies in Kentucky must include liability insurance. The minimum amount required is based on the type of vehicle insured and the materials it will be used to transport. For example, passenger vehicles with a 1 to 7 person capacity must have bodily injury liability minimum coverage of $100,000 per person / $300,000 per accident.
Hotels in this state get plenty of mileage. But even though Kentucky has a serious buffer of land surrounding it on all sides, that doesn't make hotels immune to all risks. The most common hotel insurance claims in this state include: tornado and hail damage, fire damage, liability claims, and data breaches. Having the proper coverage in place can help protect a hotel from a financial loss.
Umbrella insurance is essentially extra insurance in the state of Kentucky. This liability policy will help cover excess legal costs and damages if a policyholder is found responsible for an injury or property damage that exceeds the limits of their standard insurance policy. In the case of a personal lawsuit, settlement amounts of millions of dollars are not unheard of. A $500,000 basic-liability policy will only put a dent in that type of settlement amount. Additional protection can be gotten by purchasing an umbrella insurance policy.
Tenants don't own the property, but they can still suffer a loss. Apartment buildings are still subject to fires and flooding. If a tenant lost all their personal belongings in a fire, how would they start over? The property owner's landlord policy only covers damage to the apartment. Some tenants make the mistake of assuming it also covers their personal property. While there is no legal obligation to purchase renters insurance in Kentucky, it’s a good idea.
There is no legal obligation to purchase a life insurance policy. However, life insurance can help provide for someone's financial dependents if they are no longer around. The money can be used to pay final expenses, help replace lost income, cover debts, pay a mortgage, fund children's education, and more.
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