Hunt Insurance Agency
Owners Chuck Hunt and Jennifer Hunt began Hunt Insurance Agency with the goal of building trusted relationships, providing protection and personalized service, all while treating every customer like family. Garrard County is our home, and we are committed to serving the insurance needs of local businesses, families, and individuals across the region.
We truly want to help you, your local business, and your family find the right coverage for your situation. With a dedicated team of insurance professionals backed by over 40 years of insurance experience, we are here to provide you with the protection you need and the personalized customer service you deserve. Read more about us!
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Your Local, Family-Owned Insurance Agency
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Meet the Owners
Family-owned and operated agency.
Hunt Insurance Agency was founded upon the idea of personalized insurance from an agency that treats every customer like family. Our family business is here to serve your needs and to build relationships that last.
Contact ChuckContact Jennifer
Chuck Hunt
Owner, Commercial Agent
Jennifer Hunt
Owner, Agent
Here to Protect What Matters Most
Protecting what’s important to you is our focus. That’s why we specialize in a variety of business insurance and personal insurance solutions. It’s what Hunt Insurance Agency does best.
Business Insurance
Coverage and risk management solutions for companies of all sizes.
Personal Insurance
Trusted advice and insurance solutions to protect what matters most.
The Independent Agency Advantage
As the only locally-owned independent insurance agency in Garrard County, we are proud to serve businesses, families, and individuals in Lancaster, KY and across Kentucky.
Why Go Independent?
We represent multiple insurance companies.
We are licensed insurance advisors.
We are by your side every step of the way.
We are there for you in your time of need.
Customer Relationships Built to Last
Check out our reviews and see why you should switch to Hunt Insurance Agency.
Read More Reviews
Real clients. Real reviews. Real coverage.
“As small business owners, finding the right coverage is so important. Chuck and Jennifer made switching easy. They made sure to find the right coverage to fit our needs and even save us money.”
– Tara and Travis Gilliam
With Us, You’re Family
As a family-owned agency, we treat every customer like a part of our family, from getting to know you to protecting what’s important.
Involved in Our Community
We give back to the community that supported us as a small business, supporting food pantries, 4H clubs, and schools.
Relationships Matter
With 40 years of insurance experience, we know the difference building relationships makes in helping you find the right insurance.
Hunt Insurance Agency + Erie Insurance
We strive to uphold Erie Insurance’s long-standing commitment to service.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
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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