3103 Breckenridge Ln
Louisville, KY 40220
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The Palacio Miller Family of agencies -
Proudly Serving a five-state area!

Now is the time to make sure your Louisville business has enough liability protection

Palacio Miller Agency is here for the business community in the greater Louisville, KY area. If you are unsure if your firm has the liability protection that it needs, reach out to us today. We look forward to working with you soon.

Make sure your Louisville business has the liability coverage it needs!

As a company grows and becomes more established, its risk of liability increases. When it comes to liability protection, however, most commercial policies offer a static amount. When the primary policy is exhausted, the company, and even the principals themselves, can be held financially responsible for damages. 

In order to avoid such a situation, businesses increase their insurance holdings by adding an umbrella policy to their portfolio. With such a policy in place, the company has a greater amount of liability protection. If you are unsure if you have the appropriate protection for your business, now is a good time for a policy review. 

A close review of your current policy along with your business profile can reveal if there is sufficient coverage in place. This review can help to protect your company now and well into the future. Owning a successful business takes a lot of hard work and dedication. It only makes sense to protect those efforts! Contact your local business insurance agent today and learn more about the advantages of umbrella insurance. 

We look forward to working with you!

Louisville, KY business owners and operators turn to the team at Palacio Miller Agency for all of their commercial and liability insurance needs. If you want to make sure that your company has the protection it needs, set up a call with us today. We are proud to serve our business community. 

Required Commercial Insurance in Kentucky

In Kentucky, there is one type of commercial insurance that is required for most small businesses, and there are many other types of commercial insurance that are extremely helpful but not mandated. If you need commercial insurance for your business, call us at Palacio Miller Agency in Louisville, KY.

Workers’ Compensation Insurance

In Kentucky, sole proprietorships are not required to have workers’ compensation insurance. However, any business with one or more employees is required to have it, even if it’s just one part-time worker. This insurance is generally not required for corporate officers and partners of the business. For regular employees, this insurance provides payment for their medical bills and lost wages if they were to get injured at work. This is an important protection for your business, as medical bills can be extremely expensive. 

Commercial Vehicle Insurance

It’s mandated by the state that every vehicle must have auto insurance. If your company owns a vehicle, it is highly recommended that you get a commercial vehicle policy, though it’s not required by the state. A personal policy on a business vehicle may not pay out when there is an accident because the vehicle was being used for business. A commercial policy keeps your business better protected. 

Liability Insurance

The state does not require Kentucky businesses to have general liability insurance, but not having it for your business can be dangerous. Whether it’s injuries in a store, injuries from products, etc., you can be the target of lawsuits if you don’t have adequate liability insurance. There are many different types available for many different types of businesses to keep your specific company protected. 

Get Your Commercial Insurance 

If your Kentucky business doesn’t have commercial insurance, now is the time to get it. Call us now at Palacio Miller Agency in Louisville, KY to find out more. 


  1. We are locally owned and operated!

  2. We provide coverage through multiple carriers!

  3. We can combine coverage to save you money!

  4. We offer friendly customer service!

  5. You have 24-hour access to your policy info!


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