Coverage line

A small shop's roof folds around its counter, stock and doorway like one protective wrapper.Illustration for The General Average

Kentucky BOP: Check Flood Maps Before Comparing the Package

A Kentucky BOP may combine property, general liability and business-income protection for an eligible business, but the package does not settle flood exposure. The state calls flooding its most frequent and costly natural disaster and provides current address-searchable maps with effective dates and map revisions. Compare the BOP’s water wording with separate commercial flood building and contents coverage, and remember NFIP does not pay business-interruption losses.

What Is Business Owner’s Policy?

A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. Read the national Business owner’s policy guide.

What Should You Watch for With Business Owner’s Policy in Kentucky?

Check the premises against effective maps and revisions
Kentucky’s Division of Water portal displays effective Flood Insurance Rate Maps, panel dates and map changes; the state says flood risk can change with development, weather and new data. Search each location and review the current panel before quoting. A map informs the property decision but does not itself decide whether your policy pays. ³
Do not rely on the BOP label for flood
Kentucky DOI’s disaster guide says flood is not covered by typical property policies and describes separate NFIP participation and terms. FEMA offers commercial building and contents coverage separately, each with its own limit and deductible; compare the lease/building obligation and stock value with those limits. ^2,^4,¹
Compare flood property with the income trigger
NFIP excludes business-interruption loss. Ask what physical damage must occur to trigger the BOP’s income section, whether a nearby event or access closure qualifies under the actual form, and how long the benefit can last; do not treat a flood map or flood policy as proof of income coverage. ^4,¹

Which Business Owner’s Policy Providers Have Kentucky License Records?

These providers publish a national listing for Business owner’s policy; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Kentucky. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁵
Corgi lists a business owner’s policy in its coverage catalog.
ERGO NEXT Insurance
Insurance producer · checked 2026-09-28
Next First Insurance Agency, Inc.
ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. ¹⁷
ERGO NEXT markets a business owner’s policy.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹⁶
Hiscox offers business owner’s policies for small businesses.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁸
TechInsurance arranges business owner’s policies for small businesses.

Who Regulates Insurance in Kentucky?

Kentucky Department of Insurance

The Kentucky Department of Insurance licenses agents and insurers, monitors the insurance market, and accepts complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^5,^6,⁷

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-595-6053 (option 1, Kentucky only)

Surplus-Lines Tax and Stamping Office in Kentucky

Reported tax rate. 3% on Kentucky-home-state premiums and other premium consideration; separate 1.8% surcharge on eligible risks located in Kentucky, subject to statutory exceptions; applicable local-government premium tax may also apply ^8,^11,^9,^10,¹²

When Kentucky is the insured's home state, the state tax is 3% of premium and other consideration treated as premium; local-government premium taxes may also apply. A separate 1.8% surcharge generally applies to Kentucky risks, but state law exempts multistate nonadmitted risks and specified government and nonprofit premiums. The broker must make a diligent effort to place coverage with an admitted carrier before using surplus lines.

What Should You Ask Before Buying Business Owner’s Policy in Kentucky?

How should a Kentucky business use the state flood portal?
Does a BOP include flood insurance in Kentucky?
Does NFIP flood coverage replace lost business income?

Business Owner’s Policy in Kentucky: Frequently Asked Questions

Does a Kentucky flood-zone map determine whether my BOP pays?

No. The portal shows flood hazard information and effective map changes; the policy form controls coverage. Use the address result to decide whether to quote separate flood protection, then ask the insurer how the BOP responds to the specific water cause. ^3,¹

Will an NFIP commercial policy reimburse business-interruption losses?

No. FEMA lists business-interruption losses as excluded. Compare commercial building and contents flood coverage with the BOP’s own business-income trigger, waiting period and payment period. ^4,¹

Sources

19 documents, numbered as cited. Open the sources

Sources for Business Owner’s Policy in Kentucky

1
What Is a Business Owner’s Policy? Spot; What Does a Business Owner’s Policy Cover?; Who Needs a Business Owner’s Policy?; How Do You Compare Coverage and Costs?; What Exclusions and Conditions Should You Check?; How Does It Compare With Related Coverage? Accessed 2026-09-28.
2
If Disaster Strikes, Will You Be Covered? Preparing for a Flood. Kentucky Department of Insurance; Pages 25–26: flood is outside typical property policies; NFIP definition and scope; community participation and 30-day wait (consumer guide dated 2022, accessed 2026-09-28). Accessed 2026-09-28.
3
Find Your Flood Zone. Kentucky Energy and Environment Cabinet, Division of Water; Kentucky Flood Hazard Portal: effective flood maps, FIRM panels and effective dates, letters of map change; approximate base flood elevations in A zones in 119 of 120 counties; source states maps change with development/data; delegated map revisions effective 2024-01-01. Accessed 2026-09-28.
4
What You Need to Know About Buying Flood Insurance. Federal Emergency Management Agency, National Flood Insurance Program; Flood insurance policies to fit your life and needs—Business owners; Building and contents coverage; What doesn’t flood insurance cover?; Waiting period. Accessed 2026-09-28.
5
Kentucky Department of Insurance. Kentucky Department of Insurance; Homepage and consumer telephone. Accessed 2026-09-28.
6
Insurance License Lookup. Kentucky Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
7
File an Insurance Complaint. Kentucky Department of Insurance; Official DOI consumer complaint page accepts complaints involving general liability and disputes with insurers, agents or adjusters. Accessed 2026-09-28.
8
KRS 304.10-180. Kentucky General Assembly; KRS 304.10-180(1): Kentucky-home-state; 3% applies to premiums, assessments, fees, charges or other premium consideration; local premium tax is separate. Accessed 2026-09-28.
9
Local Government Premium Taxes. Kentucky Department of Insurance; Current local tax schedules. Accessed 2026-09-28.
10
KRS 304.10-090. Kentucky General Assembly; KRS 304.10-090 requires policy notice that nonadmitted insurer is not a Kentucky Insurance Guaranty Association member and its benefits are unavailable upon insolvency. Accessed 2026-09-28.
11
KRS 136.392. Kentucky General Assembly; KRS 136.392(1),(5)-(6): $1.80 per $100 on premium/other charges for Kentucky risks; named government/nonprofit exceptions; multistate nonadmitted risks exempt. Accessed 2026-09-28.
12
Surplus Lines. Kentucky Department of Insurance; Full page states licensed surplus-lines brokers must make a diligent effort to place with an admitted carrier before exporting coverage. Accessed 2026-09-28.
13
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
14
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
15
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
16
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
17
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
18
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
19
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Kentucky BOP: Check Flood Maps Before Comparing the Package

What Is Business Owner’s Policy?

What Should You Watch for With Business Owner’s Policy in Kentucky?

Check the premises against effective maps and revisions

Do not rely on the BOP label for flood

Compare flood property with the income trigger

Which Business Owner’s Policy Providers Have Kentucky License Records?

Corgi

ERGO NEXT Insurance

Hiscox

TechInsurance