General liability
Helps if your work or business operations injure someone or damage their property, such as a painter who damages a client's flooring or a customer who is hurt at your shop.
What it covers
What small business coverage can include
Small business coverage is built from several parts, matched to your trade. Not every business needs every part. Coverage options vary by policy and carrier.
Commercial property
Helps protect a building, equipment, inventory and supplies after a covered loss such as fire or theft.
Business owner's policy
Some carriers bundle liability and property into a business owner's policy for eligible small businesses. Eligibility depends on the business and carrier.
Tools and equipment
Helps with tools and equipment you carry to job sites, which are often not covered by a standard property policy.
Commercial auto
Personal auto policies often limit or exclude business use. A commercial auto policy is written for vehicles used for work.
Certificates of insurance
Clients, general contractors and property managers often ask for proof of insurance. We can help provide certificates for your policies.
Who needs it
Who needs small business insurance
If any of these sound like you, it is worth a quick conversation. We serve Kentucky, Ohio and Indiana.
Painters and finishing trades
Interior and exterior work puts you in other people's property every day.
General contractors and remodelers
Larger projects, subcontractors and clients make documentation and coverage matter.
Plumbers, electricians and similar trades
Work inside homes and buildings can lead to property damage or injury claims.
Local shops and service businesses
Customers visiting your location, your equipment and your inventory can all be exposed.
Local agency
Small business coverage in Florence, Boone County and Northern Kentucky
Boone County and Northern Kentucky have a strong base of trades, small shops and service businesses, and many jobs cross the river into the Cincinnati area or into Indiana. Where you work, who you work for and who works for you all affect your coverage.
Turner Insurance Group is based in Florence and writes policies in Kentucky, Ohio and Indiana, so we can help if your work crosses state lines. Kenneth Turner and Anita McCarty will go over what fits your trade.
Be prepared
What to tell your agent
What you do
Describe your trade and services as specifically as you can.
Where you work
Customer sites, a shop, a home office or a mix, and which states.
Who works with you
Employees, subcontractors and helpers can change what you need.
What clients require
Contracts and property managers often list insurance requirements. Send them our way.
FAQ
Common questions
What insurance does a painter or contractor typically need?
General liability is often the starting point. Depending on your work, you may also look at tools and equipment, commercial auto and coverage for employees or subcontractors. Availability depends on your trade and the carrier.
Can you provide a certificate of insurance?
Yes, for the policies we place for you. Tell us who needs the certificate and what wording they require.
Is my personal auto policy enough for work driving?
Often not. Many personal auto policies limit or exclude business use. We will ask how you use your vehicle and explain what applies.
Do I need workers' compensation?
Rules for workers' compensation differ in Kentucky, Ohio and Indiana and depend on whether you have employees. In Ohio, coverage is generally handled through the state's own system. We can help you understand what applies and point you in the right direction.
Do you write business insurance in Ohio and Indiana?
Yes. We write policies in Kentucky, Ohio and Indiana. Coverage options vary by policy and carrier.
Keep reading
Related coverage & guides
Umbrella insurance · Auto insurance · Landlord & rental property · Life insurance · Homeowners insurance · Business insurance: what you need · All coverage
Areas we serve: Florence · Burlington · Hebron · Union · Erlanger · Independence · Covington · Newport · Fort Thomas · Walton · Lexington
Ready for a small business quote?
Request a quote online, or call or text our Florence office at 7000 Houston Rd, Ste 12. We serve Kentucky, Ohio and Indiana.