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Protecting Your Dreams the Wethington Way

If it’s important to you, it’s important to us. Get the things you care about insured today!

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Wethington Insurance

Learn more about our agency.

Wethington Insurance is an independent insurance agency operating in Northern Kentucky and the surrounding area for over 35 years. Over the past few decades, our vision is to continually provide the best value possible to our clients. Because we represent multiple insurance companies, we have access to a variety of coverage options to bring you affordable policies with quality coverage and extraordinary service.

Today, we are excited to move the company forward with a modern, digital presence making insurance and our services more accessible and client-friendly way while still maintaining the familiar feel of being your neighborhood agency.  Read more about us!

We’re proud to insure residents and businesses of Northern Kentucky and across Kentucky, Indiana, Ohio, and Tennessee.

We’re Ready to Help Protect Your Biggest Assets

Providing a variety of personal insurance and business insurance solutions is what Wethington Insurance does best.

We’re Here For Life’s Cherishable Milestones

“If you want an insurance company that partners with you throughout your life events, this is the place. Wethington Insurance has been with us through our marriage, building our house, buying our vehicles, the births of our children, and building our business. We know that Wethington Insurance will find us the best rate and coverage available. They feel like a trusted, loyal friend that we call on for all sorts of life recommendations. We enjoy being on a first-name basis with our agents, not just a policy number that is sent to a call center in another country.”

– Madonna Epling
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Here’s Why Our Clients Appreciate Us

When it comes to serving insurance needs, here’s why Northern Kentucky relies on us.

Client-First Approach

Our clients are the focus of our business, no matter what. We care about protecting the things you care about—and will do just that.

Trusted Expertise

We understand the risks of our local region and what it takes to bring you quality coverage that protects your unique exposures.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Contractor

Commercial General Liability Coverage

Risk Factor

As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.

Solution

Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Commercial Property Coverage

Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.

Solution

Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Contractors' Equipment Coverage

Risk Factor

You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.

Solution

As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.

Builders Risk and Installation Insurance

Risk Factor

A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.

Solution

Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.

Workers’ Compensation and Employers Liability Coverage

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

Workers’ compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Hold Harmless / Additional Insureds

Risk Factor

If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.

Solution

Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers’ compensation, business auto, and directors and officers liability insurance. It provides a great safety net and helps ensure your contractor business is well protected.

Contractor Insurance 101

Make sure you cover the unique risks you face with contractor insurance.

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We’re Building Policies That Work for Your Business in the Field

Insurance isn’t one-size-fits-all. We’re building and simplifying policies that allow you to understand coverage and ensure that your business’ unique needs are protected.

Contractors
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Architects

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  Contact Wethington Insurance

As an independent agency, we are here to help you find the right coverage.

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Walton, KY

67 North Main Street
Walton, KY 41094

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