Nationwide emerged as the top contender for Kentucky’s best general liability insurance in MoneyGeek’s analysis, scoring 91 out of 100. However, NEXT, The Hartford, Hiscox, and Thimble are also great options for general liability policies.
Best General Liability Insurance in Kentucky
Updated: June 14, 2025
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Key Takeaways
Overall, the best general liability insurance company in Kentucky is Nationwide, which has a great balance of affordable rates for LLCs and good customer service.
The cheapest general liability insurance for sole proprietors in Kentucky is offered by NEXT at $27 per month. For LLCs, NEXT is the most affordable option at $27 a month.
General liability insurance costs in Kentucky depend on your industry, and we found they can range from $31 to $3,037 per month on average.
Best Cheap General Liability Insurance in Kentucky
| Nationwide | 91 | $37 | $41 |
| NEXT | 90 | $27 | $27 |
| The Hartford | 86 | $35 | $52 |
| Hiscox | 83 | $32 | $68 |
| Thimble | 81 | $24 | $56 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.
Nationwide: Best Overall
pros
Low rates for LLC businesses
Large coverage selection
Low customer claims frequency
cons
Higher rates for sole proprietors
COMPANY HIGHLIGHTS
We recommend Nationwide as Kentucky's best choice for general liability coverage due to its impressive blend of affordability and reliable service standards. Tied for first place with minimal claims ratios according to NAIC data and ranking second for LLC cost-effectiveness, it offers annual premiums averaging $444 across various business types.
NEXT: Cheapest Overall
pros
Easy fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
Our Kentucky winner for value-driven general liability protection is NEXT. At $27 monthly for sole proprietorships and limited liability companies, their pricing is the cheapest on the market. While the insurer's claims performance trails regional competitors in our review, customers appreciate the streamlined enrollment process and instant insurance documentation.
How Much Is General Liability Insurance in Kentucky?
An average general liability insurance policy in Kentucky typically costs around $31 per month for sole proprietors and $48 per month for LLCs. However, this only represents software development companies and the costs can vary widely by industry.
| Cleaning | $1,252 | $68 |
| General Contractor | $3,037 | $219 |
| Software Development | $48 | $31 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in Kentucky
General liability insurance costs can fluctuate based on a number of different factors in Kentucky. In the list below, you can see these factors and their impacts on your coverage costs:
Policy limits
Coverage limits play a crucial role in determining insurance premiums. Higher limits lead to increased costs, whereas lower limits generally result in more affordable premiums.
Number of employees and payroll costs
Firms with a large workforce and high payroll expenses should expect an increase in general liability insurance costs. This correlation is evident in our study of LLCs and sole proprietorships.
Business location
The location of a business significantly influences insurance costs. It's important to consider that state-level average rates can differ across cities, impacting your coverage needs.
Claims history
A record of multiple claims can make a business appear riskier to insurers, leading to higher premiums.
Industry
High-risk industries, like construction, typically incur higher general liability insurance costs.
Kentucky General Liability Insurance: Buyer's Guide
Business insurance is a complicated industry and can be difficult to navigate. So, to simplify your understanding of general liability insurance, we've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in Kentucky, and explaining how much coverage you should consider getting.
How to Find the Best General Liability Insurance Company
To help ensure that you get the best small business insurance regardless of your industry, we've created a step-by-step guide to simplify your coverage search.
- 1
Define your coverage needs
Find out your liability risk by considering your industry, products or services, customer types, business size and market impact. To evaluate coverage options better, measure the frequency and costs of common claims in your industry.
- 2
Research average costs for your nusiness
To understand how good of a deal you're getting from business insurance companies, you need to research average costs for your particular business.
- 3
Consult similar businesses
Your business community can give you recommendations that are better for your specific needs and provide an understanding of what claims are common within your industry. They may also provide ways to mitigate risks associated with general liability insurance.
- 4
Compare multiple options through different means
Comparing multiple companies apples to apples ensures that you can judge which option is best for your business. Also, choosing multiple means of comparison, like online comparison sites and brokers, will give you a more comprehensive view of pricing.
What Does General Liability Insurance Cover and How Does It Work?
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General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in Kentucky?
Like in most states, general liability insurance isn't expressly required by state law and instead varies by your industry. However, if you are looking to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses will only need a standard policy with 1 million dollars of protection per occurrence and a 2 million limit per year. This will likely cover most or all damages caused over a year for most business types. Even so, your particular industry's risks and the size of your operation may require a larger coverage limit than standard.
WHO MAY NEED MORE COVERAGE
Businesses in health services, building, and the service sector face higher risks that could lead to costly general liability insurance claims. If your company is part of these groups, it is wise to look at more than the minimum coverage.
Best General Liability Insurance in Kentucky: Bottom Line
Overall the best general liability insurance companies in Kentucky are Nationwide, NEXT, and The Hartford. However, we recommend comparing around yourself and getting plenty of quotes to ensure you get the best deal possible.
General Liability Insurance in Kentucky: FAQ
Below, we address frequently asked questions regarding general liability insurance in Kentucky:
Which company has the best general liability insurance in Kentucky?
MoneyGeek's top choice for general liability insurance in Kentucky is Nationwide, which earned an overall score of 91 out of 100. However, the ideal insurance for you depends on various details, including your business size, number of employees, and specific coverage requirements.
Which company has the cheapest general liability insurance in Kentucky?
NEXT offers the most affordable rates for both business types in Kentucky. For sole proprietors, NEXT provides coverage at $27 per month ($324 annually). For LLCs with employees, NEXT also offers the lowest rates at $27 per month ($324 annually).
Does Kentucky require businesses to have general liability insurance?
Kentucky does not legally require businesses to carry general liability insurance.
In Kentucky, it's a smart decision to secure general liability insurance to protect your business from potential third-party liability claims and related financial risks.
How We Chose the Best General Liability Insurance Providers in Kentucky
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and AM Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.