Kentucky Farm Bureau Mutual Insurance
	Additional Coverages
	Coverage Extensions
	Optional Property Coverages
	Liability Coverages
	Optional Liability Coverages
	Contact Your Agent

We are pleased to offer your business broader coverage and greater freedom than ever before. This personalized policy includes coverages usually needed by businesses, yet is designed to meet your business's personal needs.

We are the largest property and casualty insurance company domiciled in Kentucky with at least one sales/service office in each county. Each is operated by a well trained professional staff. Kentucky Farm Bureau claims representatives are strategically located throughout the state. They’re always eager to be of service, should you ever need them

Inflation Guard

Our Businessowner's Policy provides a package of coverages to meet the needs of many small to medium sized businesses. This policy covers building and personal property on a no-coinsurance, replacement cost basis and automatically includes business income and extra expense coverage. It also includes a building limit-automatic increase and a business personal property limit-seasonal increase.

Our policy is written under the Businessowner's "Special Property Coverage Form". This provides for risks of direct physical loss except as excluded.

The standard deductible is $500.00. Higher deductibles, as well as a $250.00 deductible, are available.

Additional Coverages

Money Orders and Counterfeit Paper Currency
Forgery and Alteration
Increased Cost of Construction
Exterior Building Glass
Extended Business Income
Debris Removal
Preservation of Property
Fire Department Service Charge
Collapse
Water Damage, Other Liquids, Powder or Molten Material Damage
Business Income
Extra Expense
Pollutant Clean Up and Removal

Coverage Extensions

Personal Property at Newly Acquired Locations
- Limited to $100,000 at each premises

Personal Property Off Premises
- Limited to $5,000

Outdoor Property
- Limited to $2,500, but not more than $500 for any one tree, shrub or plant.

Valuable Papers and Records
- Cost of Research – Limited to $5,000

Accounts Receivable
- Limited to $5,000

Optional Property Coverages Available To Meet Your Business Needs.

• Outdoor Sign Coverage
• Tenants Exterior Building Glass (total sq. ft. of glass)
• Money & Securities
• Employee Dishonesty
• Mechanical Breakdown
  • Pressure Vessel
  • Boiler & Pressure Vessel
  • Refrigeration & AC Units
• Spoilage
• Special Form Computer Coverage
• Earthquake
• Accounts Receivable
• Valuable Papers
• Sewer Back Up
• Mine Subsidence (Available for Qualified Counties)
• Ordinance or Law Coverage
• Other

Liability Coverages

• $300,000 per occurrence/$600,000 aggregate
• $500,000 per occurrence/$1,000,000 aggregate
• $1,000,000 per occurrence/$2,000,000 aggregate
• $2,000,000 per occurrence/$4,000,000 aggregate

This legal liability coverage protects your business against claims arising from Bodily Injury or Property Damage due to the use of the listed premises and all necessary or incidental operations throughout the U.S., including:

• Products/Completed Operations
• Advertising Injury
• Personal Injury
• Medical Payments – $5,000 per person
• Fire Damage Legal Liability – $50,000 per fire

Optional Liability Coverages Available To Meet Your Business Needs

• Druggists Liability
• Hired & Non-Owned Auto
• Barber/Beauty Shop Professional
• Funeral Directors Professional
• Optical & Hearing Aid Professional
• Veterinarians Professional
• Printers Errors and Omissions

Representations contained in this web page are for illustration purposes only. Coverage availability is subject to eligibility and other qualifications. Please consult your policy for actual contract coverage and exclusions.

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