Commercial Insurance and Business Property Insurance in Kentucky

At Sharp Insurance & Financial Services in Ashland, KY, we know that choosing the right type of commercial insurance to protect your personal property can be a challenge. We specialize in all types of commercial insurance, including personal business property insurance.

Recover Your Business Assets

Personal business property insurance in Kentucky will help you when certain types of disasters strike. You will then be able to use the insurance payouts to help you repair or replace your damaged equipment.

Personal business property insurance will insure your business property against loss and damage. This includes property such as equipment, computers, supplies, inventory, offices, and more. This covers nearly anything your business needs to operate.

Specific Event Coverage

Personal business property insurance covers damage sustained as a result of specific events. These events will be outlined in your policy. These events include fire, vandalism, theft, and some kinds of weather occurrences. With this coverage, you’ll be able to cover costs for repair, replacement, and cleanup. Your policy may even cover lost income if your business has to shut down.

What Isn’t Covered

Typically, your policy covers any equipment or inventory damaged in the event of fire, theft or some weather occurrences, but it usually will not cover events like floods or earthquakes. It is important to know what your particular policy covers, and to choose one that works for your needs.

Additionally, you’ll be able to choose either replacement-value coverage or actual-cash-value coverage. Replacement-value covers the cost of purchasing brand new items to replace your damaged property, while actual-cash-value coverage gives you a payout which is equivalent to the depreciated value of any damaged items

Contact us today and let us help you choose the best policy to cover your Kentucky business assets or visit our offices in Ashland, KY.