KY · State Insurance Law

Commercial Insurance Claims in Kentucky

Know your rights under KRS §304.12-230. Kentucky has a 15-year statute of limitations on insurance contracts — the longest in the US.

Analyze My KY Claim → Contact Kentucky Insurance Dept. ↗

⚠ Informational only. This page summarizes Kentucky insurance law for educational purposes. Not legal advice. Consult a licensed Kentucky attorney for your specific situation.

Kentucky Insurance Claim Law

Key StatuteKRS §304.12-230

Bad FaithCommon law; longest SOL in the nation

SOL (contract)15 years from date of loss

CommissionerKentucky Insurance Dept. ↗

Kentucky has a 15-year statute of limitations on insurance contracts — the longest in the US.

All Incident Types — Kentucky

Select the type of incident that happened to your business.

Fire & Smoke Damage

Kitchen fires, electrical fires, structure fires, smoke and soot damage

Water & Flood Damage

Burst pipes, roof leaks, sewer backup, sprinkler malfunction, flooding

Storm & Weather Damage

Hail, wind, hurricane, tornado, lightning, ice storm, fallen tree

Theft & Burglary

Break-ins, robbery, employee theft, equipment theft, copper theft

Vandalism & Riot Damage

Graffiti, window smashing, property destruction, riot and civil unrest damage

Slip & Fall / Premises Liability

Customer and employee injuries on business premises, parking lot accidents

Equipment Breakdown

HVAC failure, refrigeration breakdown, boiler, electrical equipment, machinery

Business Interruption

Lost income during forced closure, government order shutdowns, utility failures

Structural Damage

Roof collapse, ceiling failure, foundation damage, wall collapse, glass breakage

Mold & Environmental

Mold damage, chemical spills, gas leaks, asbestos, contaminated soil

Power & Utility Failures

Extended outages, power surges, transformer explosions, utility line damage

Cyber Attacks & Data Breach

Ransomware, data breach, wire fraud, business email compromise

Vehicle & Auto Accidents

Company vehicle accidents, vehicles hitting your building, parking lot incidents

Employee Injury & Workplace Accidents

Workers compensation, employee lawsuits, workplace violence, employment practices

Food Spoilage & Contamination

Power outage food loss, refrigeration failure, food poisoning liability, health closure

General Liability Claims

Third-party bodily injury, property damage, advertising injury, product liability

Business Property Theft & Fraud

Internal fraud, check forgery, computer fraud, business identity theft

Restaurant & Food Service Claims

All insurance claims specific to restaurants, cafes, bars, food trucks, catering

Kentucky Cities

Local insurance claim guidance by city.

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