Fayette County has 323,725 residents in 139,715 households. We list 17 agencies for general liability insurance in Lexington. Here is what the local numbers say about the cover people here need.

Lexington at a glance

17general liability insurance agencies listed
46.2%of households rentRenters insurance
$293,500median home valueHome insurance
1984median year homes were builtRebuild cost calculator
7.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Fayette County (the Census does not publish Lexington as a separate place). Agency count: our listings.

Natural hazard risk in Fayette County

FEMA rates the overall natural hazard risk in Fayette County, where most Lexington agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Lexington
Winter weatherRelatively High
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Lexington
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Lexington
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Kentucky

Kentucky requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. A combined single limit of $60,000 is accepted instead. It also requires personal injury protection ($10,000). Kentucky is a choice state: drivers choose between no-fault and traditional at-fault cover.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Lexington How much liability cover do you need?

Source: apps.legislature.ky.gov, limits in force since 2018-01-01. Checked 2026-10-24.

Insurance companies Lexington agencies work with

Of the 17 Lexington agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Liberty Mutual8 agencies
Great American7 agencies
Travelers7 agencies
Markel6 agencies
Travelers (Standard Fire)6 agencies
Liberty Mutual (Safeco)5 agencies
Safeco5 agencies
The Hartford5 agencies
Progressive4 agencies
American Modern3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Lexington agencies are

Lexington agencies we list sit in 9 ZIP codes, mostly in Fayette County.

405134 agencies
405093 agencies
405022 agencies
405032 agencies
405112 agencies
405041 agency
405051 agency
405071 agency
405831 agency

Questions

General Liability insurance in Lexington

All insurance agencies in Lexington · General Liability insurance across Kentucky

Where can I find general liability insurance in Lexington?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does general liability insurance cover?

Covers third-party injury and property damage arising from your operations.

Which insurance companies do Lexington agencies work with?

Among the 17 Lexington agencies whose appointments we hold, the companies they are most often appointed with are Liberty Mutual (8), Great American (7), Travelers (7), Markel (6), Travelers (Standard Fire) (6). An appointed agency can quote that company's policies.

Do I need flood insurance in Lexington?

FEMA's National Risk Index rates inland flooding risk in Fayette County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

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