General Liability Insurance in Pulaski County, KY — Protecting Businesses Across Kentucky
Whether you run a shop in Somerset, manage a construction crew in Pulaski County, or operate a business anywhere across Kentucky, your company deserves protection that works as hard as you do.
At Stewart & Tucker Insurance, we provide General Liability Insurance tailored to your business’s size, industry, and risk — not generic, one-size-fits-all policies. As independent agents, we compare quotes from top carriers so you get comprehensive coverage without overpaying.
What Should Your General Liability Policy Cover?
Not all liability policies are the same. Here’s what every Kentucky business should consider when selecting General Liability Insurance — especially if you operate in Pulaski County or Somerset.
Bodily Injury & Property Damage Liability
Protects your business if you or an employee cause bodily injury or property damage to a third party.
Legal Defense & Settlement Costs
Covers attorney fees, court costs, and settlement expenses — even if a lawsuit turns out to be unfounded.
Product or Completed Operations Liability
Covers claims related to products you sell or work you've completed — crucial for contractors, service providers, and manufacturers.
Advertising & Personal Injury Coverage
Protects against claims of libel, slander, copyright infringement, false advertising, or invasion of privacy.
Medical Payments to Others
Pays for minor medical expenses if someone is injured on your business property — regardless of fault.
Additional Insured & Waiver of Subrogation Options
Allows you to add clients, landlords, or partners to your policy when required by contracts.
Add‑Ons That Matter
Many Kentucky businesses benefit from customized endorsements based on their work environment, clientele, or exposure:
Extended Limits of Liability
Added protection for companies with elevated risk or significant assets.
Contractor / Vendor Endorsements
Ideal for contractors, subcontractors, and service providers who need job-specific proof of coverage.
Cyber Liability Add-On
Protects against data breaches, ransomware, client data exposure, and other cyber risks — even small businesses benefit.
Why It Matters
Why General Liability Insurance Matters in Kentucky
Running a business comes with daily risks — from slip-and-fall injuries to property damage, defective products, or client disputes. In Kentucky, even a single claim can threaten your finances, operations, and reputation.
With General Liability Insurance from Stewart & Tucker, you get:
- Protection from lawsuits, injuries, and property damage claims
- Financial security so you can focus on growing your business
- Affordable coverage that scales with your company
General liability is more than a requirement — it’s the foundation of a stable, sustainable business.
What You Need to Know About Business Liability in Kentucky
Is liability insurance required for all businesses?
Not always by law — but most landlords, contractors, and clients require it before working with you.
How much coverage do I need?
Coverage depends on your industry, number of employees, and level of risk. We’ll help you choose limits that fully protect your business.
Can I bundle liability with other business policies?
Yes. Bundling with a BOP, Commercial Auto, or a Commercial Umbrella policy often reduces costs and simplifies coverage.
Does completed work stay covered after the job is done?
Yes — with Product/Completed Operations Coverage, your finished work remains protected.
What if a lawsuit is filed after my policy expires?
Some policies allow “tail coverage” or extended reporting periods. We’ll walk you through your options.
Get Business Liability Coverage You Can Count On
Your business isn’t just your job — it’s your livelihood. Whether you're a local shop in Somerset or a growing company serving clients across Kentucky, Stewart & Tucker Insurance helps you build the right General Liability plan with honest guidance, competitive pricing, and local expertise.