Kentucky Personal Concierge Insurance

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Get KY small business insurance quotes and info on costs, coverages, minimum requirements, certificates & more.

Types Of Small Business Insurance

  • Includes medical payments, legal representation, and defense against libel and slander accusations.
  • Bundles general liability insurance and commercial property into one affordable policy.
  • Provides financial protection if an employee has a job-related accident or illness.
  • Pays to repair or replace your business property if it's stolen, damaged, or destroyed in a fire or natural disaster.
  • Covers mistakes or alleged mistakes on your part (errors) & failures or alleged failures to perform a service (omissions).
  • Is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business.
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Frequently Asked Questions About Small Business Insurance


How much does general liability insurance cost?

In 2019, commercial general liability costs can vary widely based on industry. Businesses in higher risk industries pay more. Premiums are also determined by zip code and often payroll and/or gross sales. You can request a free quote to get an exact premium for your business. Read more...

What types of business insurance do I need?

Almost every business needs general liability and commercial property insurance at the very least. If you have any non-owner employees, you'll most likely need workers compensation insurance too as most state require it. It all depends on the risks your business faces. Read more...

How does general liability insurance work?

Having general liability is the basis of any business insurance program. If you can afford only one commercial insurance policy for your small business - then you should get a commercial general liability policy, because it offers protection against a wide range of common but unexpected risks. Read more...

What is a Certificate of Insurance?

A Certificate of Insurance (COI) is proof of coverage. It verifies that you have insurance coverage for your small business, & contains information on types and limits of coverage, insurance company, policy number, named insured, and the effective date of the policy. Read more...
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Kentucky Personal Concierge Insurance Policy Information

KY Personal Concierge Insurance

Kentucky Personal Concierge Insurance. As a personal concierge, the duties you'd be required to perform on the job could be so varied and extensive that it's hard to predict how most things will go. Whether you're a business owner who runs a personal concierge business to service a variety of clients or a single-service assistant looking to get covered, then you'd be glad to know that there's no shortage of Kentucky personal concierge insurance options available to suit your specific needs.

In general, when you run a business it is wise not to overlook the importance of protecting yourself from the financial risks you're exposed to in the usual operations. Even more so, as a personal assistant or concierge business since your job description is not always clear-cut and you may find yourself performing tasks that make you vulnerable to damage or fraud claims among others.

Kentucky personal concierge insurance protects your service from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.

Why Own A Personal Concierge Business?

If you thrive on variety, enjoy providing assistance to others and generally have a schedule that is flexible enough to allow you be "on-call", then you may be right in considering starting up a personal concierge business.

What's also great about this small business idea is that it has much room for growth, through expansion and combining services, as well as word-of-mouth referrals from satisfied clients or low-cost marketing strategies. There is also longevity in partnering with well-paying, reliable clients, as most people do not want to change assistants often. Your business could also start of large, if you are able to pitch your personal concierge services directly to a local KY company or organization that is seeking to offer employees personal assistants as an included benefit.

Some people may not see the need to purchase Kentucky personal concierge insurance before beginning their business operations, but it is particularly important here because of the central and dynamic role of a personal concierge.

What Kind of Personal Concierge Insurance is Available?

The good news is that once you decide to get Kentucky personal concierge insurance, then you can ask about premiums, deductibles and the lengthiness of the claim process to figure out which coverage you need. Some coverage options that may be available depending on your exact location or states of operation include:

  • Professional Liability Insurance
  • General Liability Insurance
  • Commercial Automobile Insurance (for cars, trucks or vans used in your business operations)
  • Property Insurance
  • Employment Practice Liability Insurance
  • Workers Compensation
  • Surety Bonds
  • Cyber Liability

After reviewing your business activities and the coverage you may need, you can apply for multiple services offered by your KY personal concierge business. It is important to compare provider costs to ensure you're not paying more than you have to. Also, that your Kentucky personal concierge insurance covers all the primary roles you execute as a personal assistant or concierge.

Additionally, some other alternatives exist to those on the market for Kentucky personal concierge insurance. As a business owner offering personal assistant services you could opt for any of the following types of coverage:

  • Personal Concierge Insurance
  • Personal Assistant Insurance
  • Individual Policies
  • Entity Policies
  • Fidelity Bond Protection
  • Business Owners' Policies

Services Provided By Personal Concierges

Again, personal concierge businesses engage in a variety of tasks that can depend on each client's needs and but some of the services include:

  • General assistance in tasks (both office & home)
  • Running of errands
  • Personal shopping (possibly grocery shopping)
  • Scheduling of appointments
  • Drop off/pick up of items (including laundry/dry-cleaning)
  • Organization of bills, receipts, documents
  • Notary services

Common Risks Associated with Personal Concierge Businesses

Still wondering what the possible risks are that require you to secure Kentucky personal concierge insurance for your business? Here are some of the common liabilities of KY personal concierge businesses that could be potential claims:

  • Failure to complete assigned tasks on time leading to losses
  • Causing bodily harm or injury to a third party while on the job
  • Causing accidental damage to a client's home or property
  • Accidentally taking action that leads to significant financial losses for a client
  • Loss of valuable property, money or asset while in your custody
  • Overall mishandling of
  • Automobile crash/accident during transport

How To Buy Personal Concierge Insurance

Following this three-step process, you can ensure that you procure insurance or get bonded the right way:

  1. Create a list that details the services your personal concierge business provides to all the clients you have signed on (or plan to). Making sure that your list is complete will help the insurance carrier or bonding company determine accurate coverage plans and reasonable premiums. This same list will also ensure that when you have a claim, the insurance or bond company has your back and pays.
  2. With your list in hand, and a market survey of what others are getting charged in mind, you can now contact independent insurance agents that offer commercial insurance to businesses like yours. Most basic coverage for personal concierge businesses will include general liability insurance, surety bonds and auto insurance. However, you should be able to tailor their package to suit your potential needs. Discuss your needs with as many insurance agents representing different companies as possible, so you can get a wider range of costs to compare.
  3. Ask about the specifics of their liability insurance for your personal concierge business. This is particularly important since the duties on the job may vary from client to client. This way you can ensure you have the coverage you need.

KY Personal Concierge Insurance

If you think Kentucky personal concierge insurance is expensive, and think you can get by without it, then you are making a large mistake. Something you are doing to try to save yourself some money could end up ultimately costing you far more money.

Kentucky Economic Data And Business Insurance Requirements

In order for a business to succeed, it's important to have a firm understanding about the economic status of the state that the organization is going to be established in . It is also important for business owners to know what type of commercial insurance they are required to carry in KY.

Made In Kentucky

If you are thinking about opening or moving a business in Kentucky, keep on reading to find out some key information about the economic status of the state, as well as the KY commercial insurance requirements.

Business Economic Trends In The Commonwealth Of Kentucky

As per recent reports from leading economists, the economic outlook for Kentucky is looking bright. More jobs have been added in recent years, which is evidenced by the declining unemployment rate, and it is expected that more jobs will be added in the year 2019.

The goods and services industries are the two areas that are really expected to add significant gains to the economy of Kentucky. Industries in this sector are flourishing, with new companies being added during the 2019 calendar year. It is also expected that more jobs will be created in this sector in the upcoming years.

While technology is taking over the manufacturing sector in many other parts of the nation, in Kentucky, this industry is growing; but, it is growing at a slower rate than usual, as technology is also having an impact in KY. It is also predicted that the healthcare firms will continue to be added in Kentucky and will provide ample opportunities for employment, creating more jobs than manufacturing.

There three key areas in the Kentucky that are contributing the most to the economy, and these include Lexington, Northern Kentucky, and Louisville.

Commercial Insurance Requirements In KY

The Kentucky Department of Insurance regulates insurance in KY. Like most other states, business owners are required to carry workers comp insurance in Kentucky. In the Commonwealth, if you employ a staff of hourly or salaried employees, you must carry this type of coverage, even if your staff only consists of one person.

Commercial auto insurance is also mandate in Kentucky, so if you use a vehicle for business-related reasons, you must have this type of coverage.

You are not required to carry commercial liability insurance; however, it is a wise idea to invest in a policy. It will protect you from any legal issues that might arise, such as slips and falls or property damages.

Additional Resources For Miscellaneous & Non-Profit Insurance

Find informative articles on miscellaneous businesses including the types of commercial insurance they need, costs and other considerations.


Miscellaneous Business Insurance

An insurance contract is an agreement where one party obligates itself to make good the financial loss or damage sustained by a second party when a designated event occurs. The event must be fortuitous and happen by accident. The named insured must have insurable interest at the time of loss. One final point is that in order for any contract to be considered insurance, there must be a risk of loss.

Fortuitous Event - An occurrence largely beyond the control of any involved party; happening by chance; accidental; for example: fire, lightning, windstorm, explosion or flood.

Insurable Interest - In order to recover from a loss to property, the holder must have an insurable interest in the property at the time of the event or occurrence. An insurable interest is any right, title or interest in property where the holder of that right, title or interest sustains financial loss if the property is damaged or destroyed. Any lawful and substantial economic interest in the safety or preservation of the property from loss, destruction or damage also constitutes an insurable interest.

An entity does not have to be the property owner to have an insurable interest in it. Examples include, but are not limited to, mortgagees, trustees, vendors, lessees and bailees. Insurable interest for any entity must exist at the time the loss occurs.

Risk Of Loss - If property could never be destroyed, there is no risk of loss. If property must necessarily disintegrate or be destroyed, there is no risk of loss. Between these two extremes is the exposure of risk that can be insured.


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Also learn about Kentucky small business insurance requirements for general liability, business property, commercial auto & workers compensation including KY business insurance costs. Call us (859) 412-4141 .

Personal Concierge Insurance
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