Call Us (502) 448-6226 ☰ ˟

Logo

Call Us (502) 448-6226

Hablamos Español!

  • Home
  • Get A Quote
    • Annuities
    • AutomobileImage of right arrow
      • Auto Insurance Quote
      • Auto GAP Insurance Quote
      • Mexico Travel Insurance Quote
      • Auto Warranty Coverage Quote
      • Auto Quote Form (short)
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Builders Risk
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Commercial Auto Insurance
    • Dental
    • Earthquake
    • Farm
    • Flood
    • General Liability Insurance
    • HealthImage of right arrow
      • Health Insurance Quote
      • Disability Insurance Quote
      • Long Term Care Insurance Quote
      • Unemployment Health Insurance Quote
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
      • Homeowner Flood Quote Form
    • LifeImage of right arrow
      • Life Insurance Quote
      • Term Life Insurance Quote
    • Long-Term Care Insurance
    • Recreational Vehicle
    • Term Life Insurance
    • Watercraft & Boat
    • Windstorm
    • Workers Compensation
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Dental
    • Earthquake
    • Flood
    • Health
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • Life
    • Watercraft & BoatImage of right arrow
      • Request ID Card for Watercraft Policy
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
      • Change Primary Operator on Existing Watercraft Policy
    • Windstorm
  • Blog
  • Resources
    • Refer a Friend
    • Insurance Glossary
  • About Us
    • About Reeves Insurance Agency
    • Location Map
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Business & Commercial Insurance Home

Business & Commercial Insurance


Business & Commercial Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Bond Request Form
Builders Risk
Business Owners (BOP) Quote Form
Commercial Auto Insurance Quote
Commercial Auto Insurance Quote
General Liability Insurance Quote
General Liability Quote Form
Liquor Liability Quote Form
Workers Compensation Insurance Quote
Workers Compensation Quote

Business & Commercial Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Add Driver to Existing Commercial Auto Policy
Add Vehicle to Existing Commercial Auto Policy
Remove Driver from Existing Commercial Auto Policy
Remove Vehicle from Existing Commercial Auto Policy
Request Declaration and Coverages Page for Commercial Auto Policy
Request General Liability Certificate of Insurance
Request ID Card for Commercial Auto Policy

Business & Commercial Insurance Information

Commercial Auto
As a business owner, you want the same kinds of insurance coverages for the automobile you utilize in your business as you do for an automobile used for personal traveling. This includes liability, collision and comprehensive, health payments (known as individualized injury protection in some states) as well as coverage for uninsured car owners. Actually, the same car for both pleasure and business are used by many business people. If your automobile is owned by the company, be sure the business is found on the policy as the "principal insured" rather than your name. This will likely prevent possible misunderstandings while filing a claim or if a claim is submitted against you.

Whether you have to purchase a company auto insurance policy is going to depend on the type of driving you do. Your Reeves insurance agent is going to ask for many details about just how your vehicles are utilized by the business. They will need to know who will use the vehicles and if employees will use their own personal vehicles.

Personal and commercial auto policies are very similar but commercial policies have a lot of technical differences. Consult your Reeves insurance agent to discuss policy choices and all of the variations.

General Liability
If you have a personal umbrella liability policy, there is usually an exclusion for business-related liability. your Reeves insurance agent help to make sure your company is covered and that you have enough auto liability coverage.


Unfortunately for each business owner, the risks of getting sued have significantly increased within the last ten years. General Liability insurance is able to stop a lawsuit from turning into an economic disaster if your company is sued or held legally accountable for damages or injury.

Losses arising from bodily injury and property damage on the company premises, or perhaps arising from company operations are also paid by general Liability.

Broad Range of General Liability Protection

  • Bodily Injury, including the price of medical attention, loss of service, and restitution for any death which results from an injury
  • Property Damage coverage for the physical damage to property of others or the loss of use of that property
  • Products-Completed Operations provides liability protection (legal expenses and damages around your policy's limit) in case of damage resulting from anything your business created or service your business provided
  • Products Liability is a far more specialized product of liability insurance which protects your business against lawsuits from product-related injury or even accidents
  • Contractual Liability extends to the liability you are responsible for by entering into a wide variety of contracts
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non Owned Vehicles (such as watercraft and aircraft); Fire, Lightning or maybe Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and also special liability protection for targeted business types

 

Workers Compensation
Worker's compensation laws have been developed to guarantee that personnel that are hurt on the job are supplied with fixed monetary awards. This simplifies the process for the employee and protects the company from litigation. Many American states restrict how much an employee may receive so worker's compensation insurance also helps manage the companies monetary risks.

Workers Compensation Insurance is meant to assist businesses to pay these benefits. As a safeguard for workers, most American states require that companies offer some kind of Workers Compensation Insurance. Keep in mind that workers Compensation Insurance is not the same as health insurance. Rather, workers Compensation insurance only covers injuries incurred on the job.

In many states, if you have employees, you're expected to have Workers Compensation coverage. Even in non-mandatory states, it is usually an extremely good idea, especially in case you have numerous workers that have high-risk jobs.

Do I need workers compensation insurance?
Companies do have a legal duty to the employees to make their workspace safe. Nevertheless, accidents do happen even if every reasonable precaution and safety measure has been taken into account.

In order to offer medical care to employees, compensation for lost income to employees, and protect employers from legal actions resulting from workplace accidents, nearly every state requires companies to purchase workers compensation insurance. Worker's compensation insurance covers employees injured on the job, whether they are hurt on the companies premises, other locations, and in-car accidents while on company time. Additionally, it covers work-related illnesses.

Workers compensation provides an income to injured workers, healthcare, and rehabilitation services, regardless of who is at fault, while recovering. Additionally, it offers death benefits to surviving dependents and spouses.

Each state has laws that are different governing the total amount paid and length of lost income, the provision of healthcare and rehabilitation services, and the way treatment is administered. For instance, in many states, there are laws that cover whether the individual or employer is able to select the physician that treats the wounds and just how disputes about benefits are resolved.

Workers compensation insurance has to be purchased as a distinct policy. Although in-home business and business owners policies (BOPs) are marketed as program policies, they do not incorporate coverage for workers' accidents.


Home| Get A Quote| Customer Service| Blog| About Us| Contact| Refer A Friend
3616 Dixie Hwy | Louisville, KY 40216
P: (502) 448-6226
Social Social Social
Logo

Powered by Insurance Website Builder