Police Car Parked on the side of the road

Is Driving Without Insurance Okay?

There are only two states in the United States that allow drivers to drive without insurance – New Hampshire and Virginia. 

 

That said, all motorists in the state of Kentucky are required to have insurance. If you do hit the road without it, you will be notified that the registration of your vehicle is suspended unless you show your proof of insurance. There are many downsides to driving without insurance. You’re not only putting yourself at risk but this would also cost you money in fines, suspension of your driver’s license and vehicle, and jail time. 

 

Every state has its own imposed insurance requirements. For the state of Kentucky, the requirement is minimum bodily injury, personal injury protection coverage, and property damage. This includes the following: 

 

  • Personal injury protection
  • $25,000 for all claims for bodily injury damages by one person from one accident
  • At least $50,000 of bodily injury damages by all person from one accident
  • $25,000 for all property damage from one accident

 

It’s good to remember that your insurance isn’t only protection for you and your vehicle. It’s also your safety net, money-wise, in case of accidents on the road. It gives you peace of mind knowing that you don’t have to pay for the damages due to what happens on the road. 

 

Driving is a responsibility, not only for yourself or your family but with all the other cars that you’ll be sharing the public roads with. It’s part of your responsibility to get car insurance to protect yourself and the other drivers around you. 

Get vehicle insurance today

You can still get a policy today even if you’ve been driving around without insurance. You can get a policy that goes beyond what the law requires. There are several options available for you so you need to be careful in picking the right one. You can get inspiration from other insurers to know the best deals in the market today. You can then search for smaller insurance agencies in your community. They may offer you reasonably priced policies and may not focus on the fact that you’ve been driving your vehicle without insurance for a while. 

 

Aside from that, it is also wise to identify your needs early on. You should also know your goals and your present situation to the insurer. These factors will impact which insurance company you choose. There are companies that offer discounts for specific demographics and driving behaviors. Some examples of these discounts are: multi-policy coverage, safe student drivers, and defensive driving. 

London Insurance Agency is a local insurance agency with expert and experienced insurers. We have independent agents connected to more than one insurance company. This gives you more policy options that are based on your specific needs and budget. With wider coverage options, you can be confident that you’ll be getting the lowest possible policy without compromising the protection you want. If you’re around Corbin and London Kentucky, don’t hesitate to give us a call.

How to Choose a Good Insurance Company

Choosing an insurance company in Kentucky is not an easy task. It means looking for the right insurer where you can invest your hard-earned money for a secured future. This amount of trust you put in a company calls for informed and prudent decision-making. Here are several things you should look for in an insurance company: 

License 

Not every company is licensed to operate in each state. As a general rule, you should buy from a company licensed in your state, so you can rely on your state insurance department to help if there’s a problem. They regulate the Commonwealth’s insurance market, license agents, and other insurance professionals, monitor companies’ financial conditions, educate consumers to make wise choices, and ensure Kentuckians are treated fairly in the marketplace. To find out which companies are licensed in your state, contact the state insurance department.  

Financial Stability 

In selecting an insurance company, you have to consider the insurer’s financial stability. When buying life insurance, you enter into a contract (the policy) for the long haul. Since a payout on your policy may be decades away, especially with permanent life insurance types, you need a company that can weather the ups and downs of the economy and financial markets. Life insurance companies will generally post their ratings on their website or ask your insurance agent. Look for an insurance company with the assets to pay out claims. While past performance is no guarantee of future results, insurers with more outstanding claims-paying ability today are more likely to perform better between now and the claim time. 

Customer Service 

Regrettably, some insurance companies provide only good service when convincing prospective clients to choose them as their insurer. Look for a company where you’d be able to talk with an agent if you have a problem. It also helps find a firm with a chat feature or a brick-and-mortar office in your area like London Insurance. Before you purchase an insurance policy, read reviews that detail common customer service inquiries and check whether the company has the type of customer service you expect. You can also spare some time to inquire among family and friends who have insurance plans. 

Cost and Coverage 

There are so many insurance companies in the state with several types of insurance plans to choose from. The good thing is that many of these companies allow you to tailor-fit your insurance plans to suit your personal preferences. So, when selecting an insurance plan, make sure to ask yourself questions like how much money you need, when you need it, and how you want to receive it. Afterward, compare policies that technically provide the same coverage. Some plans may cost more because they offer additional coverage. If you find this extra provision useless to you, it may be wiser to choose the more affordable option. 

 

So, before you buy a policy, make sure to learn all you can about a company’s background, insurance offerings, and reputation with its current customers. A little research can go a long way to help you gain peace of mind – or directly contact London Insurance, a company Kentuckians have trusted for many years now! 

 

Understanding Insurance Policies

Insurance policies are used to hedge against the risk of financial losses, both big and small, resulting from damage to the insured or their property or liability for damage or injury caused to a third party. Unfortunately, many purchase a policy without understanding what is covered, the exclusions that take away coverage, and the conditions that must be met for the coverage to apply when a loss occurs.  

 

This article aims to remind consumers that reading and understanding your entire policy can help you avoid problems and disagreements with your insurance company in the event of a loss by understanding your insurance policy. 

 

What Is An Insurance Policy? 

An insurance policy is a legal contract between the insurance company (the insurer) and the person(s), business, or entity being insured (the insured). It lays out what’s covered, what isn’t, and other details of your agreement, so it helps you verify that the policy meets your needs and that you understand your responsibilities and that of the insurance company if a loss occurs.  

 

The Basics of an Insurance Contract 

These forms state the coverage term, the insurance policy limits, the grant of coverage, exclusions and other limitations of coverage, and the duties and responsibilities of the insured in 

the event of a loss.  

 

The Declaration Page 

This page is usually the first part of an insurance policy, also known as the information page. It identifies the name of the insured, their address, what risks or property are covered, the policy limits, the policy period (i.e., time the policy is in force), and other essential information that varies from policy to policy. 

 

The Insuring Agreement 

This is that portion of the insurance policy in which the insurer promises to make payment to or on behalf of the insured under the contract terms. It is usually contained in a coverage form from which a policy is constructed, often outlining a broad scope of coverage, narrowed by exclusions and definitions. In the Insuring Agreement, the insurer agrees to do certain things such as paying losses for covered perils, providing certain services, or agreeing to defend the insured in a liability lawsuit. 

 

The Exclusions 

These provisions in policy will fix the limits on the promises of coverage stated in the insuring agreements. These provisions serve one or more purposes, including elimination for coverage of (1) coverage for losses caused by specific perils, (2) coverage provided by other insurance, (3) coverage of uninsurable losses. Exclusions are those portions of the insurance contract which limit the scope of the coverage and/or list the causes and conditions which are not covered

 

The Conditions  

Conditions are provisions inserted in the policy that qualify or place limitations on the insurer’s promise to pay or perform. If the policy conditions are not met, the insurer can deny the claim. Insurance policy conditions are important because they address a wide variety of issues, including if or how other insurance contributes, how and when the insured must give notice of a claim, the insured’s duties after a loss or occurrence, the insurer’s subrogation, and other rights, and what happens in cases of fraud or misrepresentation by the insured. 

 

To obtain a copy of your insurance policy, please contact your insurance agent or company. If you are still looking into getting an insurance policy, London Insurance is here to assist you!

Why You Should Get Life Insurance Today

No one saw the pandemic coming. Indeed, no one can predict the future. You’ll never know when you’ll find yourself in a situation where you will need an insurance plan — be it illness, hospitalization, retirement, death, or even an auto accident, a property incident, or an economic crisis affecting your business. And because you don’t know for sure when you’ll need it, why not plan early? 

 

According to the American Council of Life Insurers, life insurers pay out $18.6 million in life insurance and annuities to Kentucky families and businesses every day. From life insurance to retirement savings and personal pensions, long-term care and disability income insurance to supplemental benefits and paid family and medical leave. You can think of it as fool-proof protection for you and your loved ones not only when your business is doing great or within your lifetime, but even beyond.

Loss of income

Your income is one of your greatest assets. Imagine if all of a sudden you had to deal with a medical emergency, a situation similar to COVID-19, which affected our jobs and businesses, or worse, the untimely passing of your family’s breadwinner. Where would you get the funds to finance unexpected expenses? Life insurance protects your income in such a way that it acts as a replacement so you can pay off debts and other costs. And if anything happens to you, life insurance secures your family’s future and frees them from financial worries

 

It takes care of expenses like a mortgage or college education, which you would no longer be able to support. You’ve probably heard of it as forced savings plan too, which enables you to set money aside and safely put it away in life insurance. With it secured, you can be confident that the funds will be there and ready for your use when you decide to bring your plans to fruition. 

More upsides to built-in cash

This is even better when it comes with a built-in cash value, which is invested in stocks, bonds, and mutual funds with a potential to earn higher returns. This cash value can be withdrawn should the need arise or enable you to reach your financial goals in a shorter period. Nothing beats the peace of mind that having life insurance brings. 

 

You don’t have to worry about how to finance your needs if you have an accident or suffer from a disability, nor do you have to be anxious about your family’s future when you are gone. With life insurance to take care of these concerns, you can focus more on the things that matter now, like working hard and building your relationships.

 

Besides all the benefits insurance offers, know that the life insurance industry provides good jobs and long-term investment capital that spurs economic growth. In Kentucky, the life insurance industry generates 24,500 jobs and invests $60 billion in Kentucky’s economy. The life insurance industry helps Kentucky families secure the things that matter most through all stages of life. Don’t know how to get one? No problem! Getting a life insurance plan is made easy by London Insurance. We can help you choose the life insurance plan most suited for you—and how you can make the most out of the unmatched protection that life insurance offers. Contact us today!

Insurance Options for the Church

Most churches operate on a very tight budget. A single incident without insurance can wipe out many churches financially. That is why church insurance is one of the best decisions you can make to protect your church and other religious organizations. Insurance companies offer many types of policies to protect your church’s most valuable assets – its people, property, and finances. 

Insurance Options

Choosing the right coverage is vital to the financial health of your organization. London Insurance understands your needs and offers a variety of church liability and property coverages you can select from to construct the perfect policy for your church:

General Liability Insurance

All church insurance policies include this coverage. It provides liability protection for your church members, officials, staff, volunteers, and employees, and if third parties are injured while performing duties for the church. It comes into play when the church is legally liable for bodily injury or property damage. In addition to paying the damages for the injured party, the policy usually covers defense costs for litigation.

Ministers and Pastors’ Liability Insurance

This coverage is essential for every religious organization and offers spiritual counseling liability protection. While you aim to offer the best advice you can provide, you may unintentionally negatively affect someone’s life. Policy terms vary, but coverage will often extend to clergy, church leadership, and paid or non-paid sanctioned volunteers.

Employee Practices Liability Insurance

It can cover paid employees and workers on stipends. EPLI protects the employer against wrongful termination claims, sexual harassment, discrimination, breach of contract, and emotional distress – covering damages and legal costs.

Directors, Officers, And Trustees Liability Insurance

This provides legal defense funds and helps protect your board members’ assets in the event of certain financial damages and lawsuits. 

Ordinance or Law Insurance

This is typically designed to cover the cost to repair or rebuild your property as it existed before the loss.

Religious Freedom Insurance

This protects against claims of emotional injury related to your ministry’s religious communications and activities. It also helps legally defend decisions based on your ministry’s beliefs.

Daycare and Preschool Liability Insurance

Many churches provide daycare or preschool options. This type of church liability coverage will handle any lawsuits brought by unhappy parents.

General Property

A part of all church policies will protect church property from damages due to severe weather, fire, falling objects, vandalism, and theft.

Cyber Liability Insurance

This can protect churches from the fallout of a data breach and cover losses from computer fraud, data destruction or loss, business interruption losses, and cyber extortion.

Truly, there are many insurance options available. Helping you choose the best one is what we do. We understand that your place of worship is unique and how you need complete protection, not one-size-fits-all coverage. London Insurance offers a broad range of insurance solutions. More than just policies, we deliver one-of-a-kind expertise, value, and tailored coverage! So, what are you waiting for? Call us today

Most churches operate on a very tight budget. A single incident without insurance can wipe out many churches financially. That is why church insurance is one of the best decisions you can make to protect your church and other religious organizations. Insurance companies offer many types of policies to protect your church’s most valuable assets – its people, property, and finances. 

Insurance Options

Choosing the right coverage is vital to the financial health of your organization. London Insurance understands your needs and offers a variety of church liability and property coverages you can select from to construct the perfect policy for your church:

General Liability Insurance

All church insurance policies include this coverage. It provides liability protection for your church members, officials, staff, volunteers, and employees, and if third parties are injured while performing duties for the church. It comes into play when the church is legally liable for bodily injury or property damage. In addition to paying the damages for the injured party, the policy usually covers defense costs for litigation.

Ministers and Pastors’ Liability Insurance

This coverage is essential for every religious organization and offers spiritual counseling liability protection. While you aim to offer the best advice you can provide, you may unintentionally negatively affect someone’s life. Policy terms vary, but coverage will often extend to clergy, church leadership, and paid or non-paid sanctioned volunteers.

Employee Practices Liability Insurance

It can cover paid employees and workers on stipends. EPLI protects the employer against wrongful termination claims, sexual harassment, discrimination, breach of contract, and emotional distress – covering damages and legal costs.

Directors, Officers, And Trustees Liability Insurance

This provides legal defense funds and helps protect your board members’ assets in the event of certain financial damages and lawsuits. 

Ordinance or Law Insurance

This is typically designed to cover the cost to repair or rebuild your property as it existed before the loss.

Religious Freedom Insurance

This protects against claims of emotional injury related to your ministry’s religious communications and activities. It also helps legally defend decisions based on your ministry’s beliefs.

Daycare and Preschool Liability Insurance

Many churches provide daycare or preschool options. This type of church liability coverage will handle any lawsuits brought by unhappy parents.

General Property

A part of all church policies will protect church property from damages due to severe weather, fire, falling objects, vandalism, and theft.

Cyber Liability Insurance

This can protect churches from the fallout of a data breach and cover losses from computer fraud, data destruction or loss, business interruption losses, and cyber extortion.

 

Truly, there are many insurance options available. Helping you choose the best one is what we do. We understand that your place of worship is unique and how you need complete protection, not one-size-fits-all coverage. London Insurance offers a broad range of insurance solutions. More than just policies, we deliver one-of-a-kind expertise, value, and tailored coverage! So, what are you waiting for? Call us today.

The Basics of Insurance

Understanding insurance can be complicated. Allow this article to explain the basics of insurance to help you understand how your choice of insurance will protect your lifestyle, assets, and personal property.

What is Insurance?

Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. These policies are used to hedge against the risk of financial losses, both big and small, resulting from damage to the insured or her property or liability for damage or injury caused to a third party.

 

Insurance is meant to protect you, your family, and the things you care about. The insurance you buy depends not only on what you want to preserve but also on what you can afford. Some insurance policies are must-haves – like your car insurance or fire insurance. With so many types of policies out there, how do you choose the right one? 

Types of Policies

Below are three main types of insurance policies and their purposes:

Life insurance

Life insurance can help secure your beneficiaries’ financial stability and create a meaningful legacy. Find resources to achieve your goals and create a solid foundation to support your family through all life’s stages:

  • For your dependents to receive financial support in the event of your death or total permanent disability
  • For your savings and investment, and
  • For a regular income during retirement

Health insurance

Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured due to illnesses or accidents. There are essentially two kinds of health insurance: Fee-for-Service and Managed Care. You can also choose to add long-term care and disability insurance. Now, plans in the U.S. are required to offer several “essential health benefits,” which include:

  • Emergency services
  • Hospitalization
  • Laboratory tests
  • Maternity and newborn care
  • Mental health and substance abuse treatment
  • Outpatient care (doctors and other services you receive outside of a hospital)
  • Pediatric services, including dental and vision care
  • Prescription drugs
  • Preventive services (e.g., some immunizations) and management of chronic diseases
  • Rehabilitation services

General insurance

General insurance is designed to protect the things you value. Your insurance company will pay you the sum assured or an agreed amount to cover some or all the loss under certain situations.

  • Loss of your belongings when you travel
  • Damage to your car (which is required by law)
  • Damage to your house

 

There are also property and casualty companies insured against accidents of non-physical harm. This can include lawsuits, damage to personal assets, car crashes, and more. Large property and casualty insurers include London Insurance Agency, State Farm, Nationwide, and Allstate.

What Insurance Do You Need?

To help you decide what insurance you need, make a list of the risks or events that concern you. Assess the likelihood of the event happening and the financial loss you or your dependents may suffer – like financial loss from large hospital bills, repair for car damage, etc. If you already have some insurance policies, check to see if these cover the risks you are concerned about. If you don’t have one, come to London Insurance Agency as soon as possible. Remember, you do not need to have insurance for everything, just the things that could set back your financial situation or your financial goals!

The Importance of Life Insurance

Kentucky ranks highly in national surveys of affordability. It boasts a wealth of educational and workforce opportunities as well as some of the best livability factors in the country. However, such factors don’t ensure life will be great at all times – COVID-19 proves this. 

The impact of the pandemic

The pandemic doesn’t discriminate based on age, gender, or status. Many businesses – even the very established ones like Dean & Deluca, Gold’s Gym, and JCPenny – filed for bankruptcy. It simply affects everyone’s way of life, even life itself. With Kentucky’s COVID positivity rate of 6.99%, a death toll of 4,336 people, and a total of 391,772 positive cases, we can see how life is fleeting and health is fickle regardless of what we think of our sense of security.

 

Insurance and emergency funds have become a huge help for many to keep their families fed and taken care of. Situations like this pandemic have emphasized the importance of having security – the safety net of life insurance can ensure that your family can stay in their home and pay for the things that you planned for. It can even replace your family income when resources are less so they can maintain their quality of life, depending on what type of life insurance you purchase.

 

Whether you have Permanent Life Insurance which can provide lifetime coverage or Term Life Insurance which provides protection for a certain period, it’s worth the investment not just because of the return but because of the security it provides for you and your family. We’ve enlisted a few more reasons why getting life insurance now is the smartest decision you can do amidst the pandemic.

Life Insurance is an expression of love 

When deliberating whether to purchase life insurance or not, it is best to view the decision from your family’s point of view, not your own. Life insurance is a tool that protects your spouse and children from the potentially devastating financial losses that can result if you die prematurely. 

 

The loss of a loved one is an emotional and traumatic experience for any family. But not having enough money to meet immediate and ongoing living expenses can make a very difficult situation even worse. Not only are the people you love grieving your loss, but they’ll now have added financial stresses to cope with. If you’re wondering why life insurance is important, stop to consider the potentially devastating consequences of not having coverage to financially protect the people that you love. 

Life Insurance gives time and options

Too often, when an income earner dies, the family is forced to make tough, dramatic decisions. 

By protecting their financial future through life insurance, you’re providing your loved ones the benefits to help pay off debts, meet housing payments and ongoing living expenses, fund college educations for your children, and more, if something unexpected should happen to you. You’re giving them a chance to adjust over time rather than having to move to a downsized home or find a new job right away.

 

If you are not completely certain what insurance is best for you based on your family’s needs, contact London Insurance Agency, one of Kentucky’s trusted insurance service providers. We’ll work together to determine how much coverage you need, review what products and policies are right for you, and review cost comparisons. Call us today!

Choosing the Right Insurance

Thinking of getting an insurance service that fits your needs at the moment? Contemplating what insurance to buy based on the situation you are in? Fret no more because we at London Insurance Agency and Insurance Service Center will help with all your insurance concerns. We are a dedicated team of experts that work together to efficiently address all your concerns. We will give you tips and guidelines on how to choose an insurance policy or service. We will also walk you through the different insurance services that our outstanding company offers. 

Things to Consider when Getting Insurance

Perhaps you have been contemplating getting an insurance policy for quite some time now, but you do not know where to start. It’s important not to jump into a spur-of-the-moment decision regarding this matter. Choosing insurance coverage is one of the bigger decisions you’ll make in your adult life. But don’t worry because in this article we will show you some tips on how to finalize this decision.

 

Firstly, you have to know that insurance deals mainly with risk. 

You can probably think of a number of things that you consider as risk such as vehicular accidents, fire, illness, death, and others. So it is best to come up with a decision on what risk you should insure yourself against.

 

Secondly, think of other things and people you want to be covered by your insurance, or those that you want to be the beneficiary of your insurance. 

You see, insurance may have a beneficiary other than the insured. Perhaps you want to avail yourself of property insurance? How about life insurance? These two are just some of the many types of insurance, and they all have different particulars.

 

Thirdly, and this is very crucial, you have to be financially ready to take on an insurance policy.

The amount of money you have to dispense rests on a number of factors, but it is best to note that it is worth it. Insurance can be seen as an investment with protection. So, do not hesitate to part with your money for a little while because it will be returned to you in a much better form – that is, your protections from the risks insured against in the policy that you have purchased. 

We at London Insurance Agency will help you decide on what insurance to get!

Our Personal Insurance in Kentucky covers a multitude of services which include Auto Insurance, Boat & Watercraft, Homeowners Insurance, Manufactured/Mobile Home, and Individual Life Insurance. We would be very happy to assist you in making this major decision on which insurance to invest your money in.

 

What are you waiting for? Give us a call through one of our agents so you can already start you on your journey to securing a better life for your family, property, and loved ones. 

Why is Insurance Important for nonprofits?

There are multiple different types of insurance that nonprofit organizations may need. In this article, we’ll dive into these types and why insurance is so important for nonprofit organizations.

 

Nonprofit organizations do not make it their aim to create profit. However, these organizations are still businesses in one way or another. They still need the proper insurance coverage to protect their assets and their people to push their vision forward. Nonprofit organizations differ in many ways but they need more of the same type of insurance coverage. 

Types of Insurance for non-profit organizations

As an organization grows, challenges and problems arise. It’s imperative to take on the necessary steps to make sure that your nonprofit organization has the proper protection to keep it going for a long time despite the accidents, lawsuits, and other legal problems that come your way. 

General liability insurance

There are typically three types of general liability insurance package:

  • General liability is for bodily injuries and property damage claims. It also entails copyright infringement claims and others. 
  • Abuse and molestation liability is protection involving molestation and abuse. It can be an accusation from an employee, a volunteer, a contractor, and others. 
  • Professional liability is necessary if you have mentoring, counseling, and any related programs in your organization.

Accident insurance and Workers compensation

This type of insurance protects your workforce including your volunteers and employees. It also helps your employees and volunteers with their medical bills, disability, death benefits, and injuries. 

Employee dishonesty

Employee dishonesty is also referred to as crime bonds/crime coverage. It’s coverage to protect the organization from thefts and stolen funds. This is often one of the most common insurance for nonprofit organizations. Employee dishonesty insurance helps replace stolen funds. 

Directors and officers insurance

This type of insurance for non-profit organizations protects the directors, officers, and other employers from wrongful termination claims. It includes settlement and defense costs. The claim may come from clients, employees, third party agencies including the government and other funding organizations. 

Auto insurance

This is for organizations where members of the board or its employees use autos for the business. Nonprofit organizations can also get coverage for the autos of their volunteers who use their cars for volunteering in the organization. 

Importance of nonprofit insurance

The Nonprofit Insurance Alliance Group said that 95% of claims filed against non-profit organizations are Directors and Officers (D&O) issues such as wrongful termination, harassment, discrimination, and other similar concerns. 

 

Get coverage for your organization and make sure to get one that meets the needs of your nonprofit organization. Consult with agents first and see all your options before deciding the type of insurance you’re getting. 

 

London Insurance Agency is equipped with professional agents who are connected to several insurance companies. They have the experience and the expertise to help you get what you need. Agents at London Insurance Agency & Insurance Service Center can assist you with the right insurance coverage for your organization at an affordable price. 

 

Call us at +606-864-5152 or +606-528-5151. You can also visit the site to learn more. 

 

Kentucky Eases Up Restrictions on Some Businesses

 Kentucky restrictions on businesses

On Monday, December 14, Gov. Andy Beshear announced that the state is now easing businesses’ restrictions, including bars, gyms, and restaurants. Beshear compared COVID-19 to a fast-moving train. There is no way to turn it around immediately. The process has to be slow. Kentucky’s Restrictions in fighting against the pandemic’s spread have been slow. These Kentucky restrictions have caused the local government to make changes to some businesses to allow reopenings. There will be distancing guidelines and mask mandates to ensure public safety. 

 

Reopenings at 50% capacity

Bars and restaurants can start opening their doors at 50% capacity and continue their delivery, pick-up, and outdoor dining services. However, the benefits must stop by 11 PM, and stores must close down by midnight. Gyms, fitness centers, pools, and other indoor recreation facilities are also allowed to open at 50% capacity

 

For school-related orders, Beshear said that previous instructions remain. Middle and high school students are expected to continue online learning till January 2021. In contrast to this, elementary schools are already allowed to operate by December 7, 2020.

Additionally, Kentucky’s state has continued with the downward trend and is now at a 9.13% positivity rate. If this spreading rate continues to decline up to 5% for two consecutive weeks, the virus is to be considered under control. 

 

Kentucky Restrictions Neccesitate business insurance 

Companies without the right insurance protection in a place shut their doors indefinitely. Other businesses even closed their operation for good. They didn’t have a safety net to keep them afloat for the worst of times. 

However, businesses with proper coverage could get by despite the Kentucky Restrictions.  These protected businesses not only their business but also their people. Restaurants, bars, and taverns were most affected, as these businesses require customer interaction. Even with the excellent coverage, companies weren’t equipped to cope with the restrictions.

London Insurance Agency | Restaurant Insurance in Kentucky

We offer you quality coverage unique to your industry. Our services include property insurance, general liability, liquor liability, and employee benefits liability. London Insurance Agency wants to cover you with proudly insuring restaurants, bars, and taverns in London, Kentucky, and other surrounding areas!

 

We also have business owners’ policy services, including property coverage, liability coverage, business interruptions, and others.

Call us for any questions and quotes now at +606-864-5152 or +606-528-5151.

Let our professional insurance agents get you the right coverage for your business.