Specialized Business Insurance

Insurance coverage and risk management solutions for companies in various industries.

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Specialized business insurance in Kentucky, Indiana, and Tennessee.

Different businesses have different insurance needs. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

Each industry has its own set of unique risks and requires specialized insurance to protect what matters most. Our insurance advisors have in-depth knowledge and experience with a variety of industries, including those featured below.

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Which business insurance is right for your company?

Explore how having the right business insurance can protect your company from the unexpected.

School

Business Interruption

Risk Factor

What would you do if a fire impacted the operation of your school? Or what if a pipe bursting caused a system outage? These and other events can destroy your ability to teach or hold class, and may require an alternative location. Public, private, and charter schools need protection not only to the building facility and property within the school, but also the business of running the school.

Solution

It is critical you protect the school with business income and extra expense coverage to ensure your school facility and the things you use to operate your school can be put back into place quickly or in an alternate location. Business income insurance also helps cover the loss of income when you cannot run the school because of covered property damage.

Business Personal Property

Risk Factor

Fire, weather, burst pipes, and other losses are frequent for schools given the large amount of physical space required to operate. These losses can cause significant damage to the school’s business personal property.

Solution

Business personal property coverage allows the school to replace property that has been damaged or destroyed by a covered cause of a loss. For a school, this may include property like desks, chairs, tables, books, materials, and supplies.

Building

Risk Factor

Is your school subject to wind, rain, hailstorms, hurricanes, blizzards, or other weather events? These situations can cause significant damage to a school building or roof, not to mention the dangers that lurk within like a burst pipe or cafeteria grease fire.

Solution

Building coverage protects the permanent school structure from most weather perils, burst pipes, a fire, and other losses.

General Liability

Risk Factor

A visitor walking into the school slips and falls, a teacher or employee causes damage to a student’s property, and even certain claims of slander all pose a real risk to your school.

Solution

General liability insurance is a necessity for any business. It provides broad coverage when you are deemed liable and will pay to defend lawsuits alleging injuries or property damage which occurred as the result of your school operations.

Abuse and Molestation

Risk Factor

There are hundreds of reports each year of children being sexually abused by teachers, coaches, and volunteers. Countless more are abused without any report being made.

Solution

Obtain the proper abuse and molestation coverage to protect the school in the event an allegation arises. In addition, consider having a written document to address how to prevent sexual abuse from happening and what to do in the event of an allegation.

Business Auto Liability

Risk Factor

School volunteers and employees often use personal vehicles to do work for the school.

Solution

Make sure to add hired and non-owned auto coverage to the school’s insurance policy to cover this exposure. Also, check the motor vehicle records of anyone who transports students.

Educator’s Legal Liability

Risk Factor

Officers, directors, and board members are exposed to increased factors and can be held accountable for acts that claim negligence in the performance of their duties including discrimination, harassment, wrongful termination of employees, inefficient administration or supervision, waste of assets, misleading reports, and other misrepresentations.

Solution

Educator’s legal liability insurance protects the decision-makers of the school from lawsuits and claims. Instead of suing the individuals directly, the lawsuit would be defended by the school’s ELL policy. Most people who serve on a board in a volunteer capacity should demand this coverage before serving.

Cyber Liability

Risk Factor

The internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to all businesses. But with these benefits also come challenges, including protection of privacy, data, and financial information of your employees and students.

Solution

Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your school.

Workers’ Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

State disability and workers' compensation protects your employees should a job-related injury or sickness occur during their course of employment. This coverage is required by law, so be sure you have it.

Umbrella

Risk Factor

What happens when your school faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, and directors and officer’s liability coverage. It provides a great safety net and helps ensure your school is well protected.

School Security

Risk Factor

Security in schools is becoming a larger issue as attacks have increased in recent years.

Solution

Every school should have a security plan. This plan should detail where students go in the event of an emergency, which entrances are open during school hours, who should contact the authorities, how to spot someone who may pose a security risk and how to react to someone who is trying to cause harm to the students and faculty.

Crime / Employee Dishonesty

Risk Factor

School fundraisers may raise a large amount of cash, or a number of administrators/teachers may have access to a school credit card/account numbers.

Solution

Crime coverage can provide coverage against cash stolen on or off the premises, and can ensure that the groups within the school raising the money aren’t left in the dark if a cash box goes missing. Employee dishonesty coverage can help protect against a staff member’s scheme to steal money from the school or district.

Crisis Response

Risk Factor

Violent acts by students are, thankfully, infrequent on the whole, but they do happen. Violent acts are often excluded in one’s general liability policy. If not dealt with promptly, these can affect the school’s reputation and, if a private school, the bottom line.

Solution

Crisis response coverage can provide reimbursement for services like crisis management, public relations guidance, and counseling services to help staff, students, and families grieve.

Aviation Insurance

There’s more to the aviation industry than planes. Insurance for this industry needs to encompass all the various moving parts. From the hangar to the runway, it all has to be covered. To insure these unique risks, specialized knowledge is a must.

Brewery Insurance

Owning a brewery can present unique risks. Specialty brewery insurance combines elements of liquor liability insurance, property insurance and general business insurance to develop one, simpler policy.

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Child Care Center Insurance

Parents trust child care centers with their children from the earliest days. As with any facility that caters to the care of young ones, there are special risks in addition to the ordinary risks of running a business. Our specialized insurance policies will keep you covered.

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Church Insurance

A church is so much more than a place of worship—it's also a community center, an employer and oftentimes, a home. We offer customized insurance options that fit all of these unique needs.

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Contractor Insurance

Contractor insurance isn't one-size-fits-all. A specialized policy allows you to easily customize and simplify your insurance coverage to ensure that your business' unique needs are protected.

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Condo Building Insurance

Condo building insurance can be complicated. Specialty condo insurance recognizes the many different risk types and provides clarity regarding which parties are responsible for covering which risks.

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Dealership Insurance

The risks associated with owning a dealership are diverse, no matter what you sell. From workers' comp to coverage for customers' vehicles, we'll help you navigate the complexities and design a policy that keeps your business running smoothly.

Farm Insurance

It can be overwhelming to think about insuring your farm if it's both your home and your business. Farm insurance eliminates the confusion and allows you to simplify your insurance into a single policy.

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Fitness Center Insurance

As a gym or fitness center owner, customer waivers are usually not enough to protect you from potentially damaging financial risks. A specialty fitness center insurance policy can fill the gaps.

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Fleet Insurance

Fleet insurance is the simplest way to cover all of the cars and trucks owned by your company with a single policy.

Garage Repair Shop Insurance

Garage repair shops face high financial risks simply because of the nature of the business. A specialty insurance policy can protect your garage repair shop from potentially devastating financial losses.

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Golf Course Insurance

Golf is a relaxing pastime that many people enjoy, but operating a golf course isn't such a walk in the park! Specialty golf course insurance can protect your business from financial risks associated with property damage, extreme weather, liquor liability and much more.

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Manufacturer Insurance

Manufacturers come in all shapes, sizes and product lines. But no matter what type of manufacturing business you're in, there's one thing in common: the need to protect your business. We can help you design the right manufacturer's insurance policy.

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Medical Office Insurance

Just as your patients need to maintain insurance coverage, so should you. Your medical office comes with a unique set of risks and a specialty medical office insurance policy can keep you protected against a loss.

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Non-Profit Insurance

Even though your organization's goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We'll help you design a non-profit insurance policy that covers your organization's unique needs.

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Professional Services Insurance

When your business handles services that are very personal, it's important to have the right insurance in place to protect your clients and your business. Professional services insurance is a great way to manage this.

Property Manager Insurance

If you manage residential or commercial properties, you face a diverse set of risks and potential losses. From liability issues to damage protection, we'll help you navigate the world of property manager insurance and design coverage that's a perfect fit.

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Real Estate Investor Insurance

Real estate investment is an exciting, and sometimes risky, venture. There are unique liabilities and factors to consider when insuring your property. We'll help manage those risks and keep your investment protected.

Restaurant Insurance

Restaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.

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Retail Business Insurance

As a small business owner, you have a lot to think about. Customized retailer insurance coverage can help to take some of those worries off of your plate.

School Insurance

Schools can be a second home for the families they serve. Protecting this community hub is crucial. Having the right insurance in place for a school’s unique needs can make all the difference when an incident occurs.

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Technology Firm Insurance

Technology firms face unique risks due to the nature of their work. Specific tech firm insurance can help to combat and prevent these risks.

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Trucking Insurance

Does your company make use of commercial trucks? If so, you may need to consider commercial trucking insurance, which covers more risks than your typical auto insurance would.

Wholesaler and Distributor Insurance

As a wholesaler or distributor, your business has heightened risks because of the amount of stock kept onsite. A specialty wholesaler and distributor insurance policy protects you from the unique financial risks associated with this type of business.

Winery Insurance

Wineries have elements of many types of businesses – they’re part manufacturer, part event venue, and some may offer a wine bar that’s open to the public. Insurance for these unique risks requires specialized coverage.

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EM Ford offers specialized business insurance options.

Specialized Business Insurance Quote Request

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