Contractor Insurance
in Kentucky

Contract with Confidence in Kentucky’s Regulated Construction Market

From roofing projects in Louisville to remodeling jobs in Lexington, Kentucky contractors face a variety of job-site risks and compliance challenges. Without the right insurance, one accident or injury could derail your business. That’s why ACI delivers custom insurance policies built for Kentucky contractors—so you can stay licensed, protected, and ready to work.

Why Contractors in Kentucky Choose ACI

Local Expertise
We understand Kentucky licensing and insurance rules

Same-Day Certificates
Fast proof of coverage to keep your projects moving

Flexible Payment Plans
Coverage that fits your budget with as little as 20% down

Bundled Savings
Combine multiple policies to save up to 25%.

Insurance Coverage We Offer in Kentucky

We provide a full range of contractor insurance options in Kentucky, including:

Covers injuries and property damage that happen as a result of your work.

Required for contractors with employees—covers medical bills and lost wages.

Protects vehicles used for transporting crews, tools, and building materials.

Covers the cost to repair or replace stolen or damaged tools and gear.

Protects buildings and materials during new construction or major renovations.

Coverage for design errors, omissions, or consulting-related claims.

Who We Cover in Kentucky

ACI serves a wide range of contractor types across Kentucky, including:

No matter your trade, ACI offers the right protection to keep your Kentucky contracting business covered from every angle.

How Much Does Contractor Insurance Cost in Kentucky?

Your cost depends on your trade, business size, coverage limits, and risk profile. Here are common factors that affect your monthly rate:

Cost Factors

Roofers typically pay more than painters or drywallers

More protection increases your premium

Higher income or employee count affects pricing

Higher deductibles can lower monthly payments

Combine coverages and save 15% or more

Typical Range

Most Kentucky contractors pay from $90–$210/month, depending on the policies selected.

See your exact rate with a fast, custom quote built for your trade.

Kentucky Contractor Insurance Requirements

General Liability Insurance

Not required by the state, but often mandatory for licensing in certain cities or counties. Many project owners also require proof of liability insurance.