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Your Interests Are Ours

We ensure the protection of our clients through transparency, perspective, and insight.

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About EM Ford

Over the past nine decades, EM Ford has expanded into a full-service independent insurance agency and financial planning group, offering clients not just protection from misfortunes but strategies for building wealth.

We have over 30 knowledgable employees ready to assist you from our two Kentucky locations in Owensboro and Henderson. We are eager to guide you through a broad range of coverage solutions in personal, business, and employee benefits coverages.

At EM Ford, our approach goes beyond insurance to help you improve your overall risk management program and financial planning. We partner with you to provide strategic loss control and claims management tools – improving your risk profile and increasing your bottom line.

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Agency Awards and Accomplishments

  • Recipients of 2015 Chamber Business of the Year in (11-50 employees category)

  • We have been running for over 94 years — we opened in 1925

  • We are a 4th generation family-owned business

  • We have 2 Office Locations — Owensboro and Henderson, KY

  • We staff over 30 knowledgable Advisors & Service Professionals

  • We are proud members of BIGN (Beyond Insurance Global Network)


Our history of service speaks for itself.


We prize peace of mind above all. Everything we do extends from that core value.


From generation to generation — this business is personal.


Whether it be our clients or ourselves, we care about commitment.

EM Ford was established in 1925 and is now one of the largest family-owned independent insurance agencies in the state of Kentucky. As we have grown, our philosophy has remained the same – providing quality products and personal attention.


years in business


convenient locations


experienced team members

We are proud members of Beyond Insurance Global Network.

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Our Amazing Reviews

Anyone can promise great service, but not everyone can deliver it. At EM Ford, we’ve built a culture around doing the right things.

As a nonprofit organization, it is essential to find the best product for the most competitive price. This is what we found with EM Ford. They are efficient, welcoming, and truly take an interest in our mission.

Kelly, Dream Riders of KentuckyBusiness Insurance Client

E.M. Ford is the standard-bearer for excellence in insurance. Their professionalism is exceeded only by their commitment to quality customer care. As longtime clients, our allegiance to EM Ford as the single provider of our insurance needs will not change.

Mark BerryPersonal Insurance Client

EM Ford has been our agent for Property and Casualty since 1963 and it has been an excellent partnership. Our advisor, Paul Clements, is honest, experienced, and goes above and beyond to make sure we get the right coverage at the most competitive price. Paul and the staff at EM Ford are outstanding and I confidently recommend their services to anyone.

Cindy Duckworth, Big Rivers Electric CorporationBusiness Insurance Client

I’ve enjoyed working with John. He is knowledgeable and passionate about his business, always working to provide his customers with the best coverage and service at a fair and competitive price. It is my pleasure to recommend John Neely.

Kimberley, ARM, CPIABusiness Insurance Client
There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness InsuranceEmployee Benefits
Providing for Your Family
Risk Factor

Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?


Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.

Mortgage Payments
Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.

Auto Payments
Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs
Risk Factor

An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?


A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings
Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.


Life insurance can help support a surviving spouse during their retirement.

Protecting Your Small Business
Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.


A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement
Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.


Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.

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Owensboro, KY
Henderson, KY
Areas We Serve

We also extend our insurance services throughout Kentucky, Indiana, and Tennessee.

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As an independent agency, we offer multiple options at competitive prices.

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Owensboro, KY Insurance

600 Frederica Street
Owensboro, KY 42301

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