Kentucky contractors insurance

Licensing & registration in Kentucky

Contractor licensing in Kentucky is handled at the state and/or local level and can vary by trade and project size — trades such as electrical, plumbing, and HVAC commonly carry state-level licensing, while general contractor requirements may be set locally. Verify the current requirement with your state licensing board (and the city or county where you work) before bidding.

Many licensing bodies require a license or registration bond as a guarantee to the public, separate from your liability insurance. Whether a bond applies depends on your jurisdiction and trade, so confirm the current rule before you start.

Coverages Kentucky contractors carry

• •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
• •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
• •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
• •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
• •Commercial auto — for work trucks and vans; personal auto typically excludes business use.

Who needs it in Kentucky

Common Kentucky users include home builders and remodelers, roofers, electricians, plumbers, HVAC, and landscapers across Louisville, Lexington, and Bowling Green.