HBS Insurance

HBS Insurance HBS Insurance is YOUR independent, full service Insurance Agency serving the greater Louisville and Southern Indiana area.

We offer the best commercial, workers comp, home, auto, life and health insurance to fit all of your needs. Serving Southern Indiana and Surrounding Areas Since 1995

*After Hours By Appointment* HBS Insurance, in Jeffersonville, IN, is a family owned and operated insurance agency serving Southern Indiana and the greater Louisville area since 1995. We offer home and auto insurance, farm, business,

property, life insurance, and much more. For all your insurance needs, contact HBS Insurance in Jeffersonville. Brands:
We Offer These Carriers: Pekin, Berkshire Hathaway Guard, Secura, Grange Insurance, Travelers, American Modern, KEMI, Progressive, The Hartford, Safeco Insurace, Accident Fund, Employers, HICI, Universal, Hagerty, ClearPath Mutual, Founders Insurance Comp

Certifications:
Licensed in Indiana, Kentucky, Tennessee and Ohio
CIC

Associations:
Better Business Bureau
Professional Insurance Agents of Indiana

Agricultural operations face a growing range of risks that can significantly impact production, revenue, and long-term b...
08/25/2026

Agricultural operations face a growing range of risks that can significantly impact production, revenue, and long-term business stability. These risks can include, but are not limited to:

đŸŒ± Severe weather - Unexpected droughts, heavy rains, and unseasonal spikes or drops in temperature can threaten an entire season's output and put real financial pressure on your operation.

đŸŒ± Biological threats - Invasive pests and new crop diseases can spread rapidly and cause significant losses that ripple through every aspect of your agricultural business.

đŸŒ± Market price volatility - Even a strong harvest can fall short if commodity prices drop at the wrong time. Revenue protection coverage can help ensure your income is protected.

đŸŒ± Equipment breakdown - A machinery failure during planting or harvest season can delay your entire operation and directly impact the yields your policy is designed to protect.

đŸŒ± Contamination and pollution - Chemical drift, fertilizer spills, and water contamination can damage crops and expose your operation to coverage gaps you may not know exist.

While being aware of common risks is one piece of the puzzle, the other piece is having the right crop insurance coverage.

Do not wait for a loss to find out where your coverage falls short. Give our team a call today, and we can walk through your coverage step by step to identify potential gaps.

08/21/2026

🎹🚗 “Your little artist just created a very expensive masterpiece.”
You turn your back for a few minutes and suddenly the family car has become a canvas. Apparently, your budding Picasso decided it needed a little more color! 😳
Kids are creative. Life is unpredictable. And while you may want to frame their artwork, you probably didn’t plan on displaying it on the side of your car.
Unexpected damage is a good reminder to take a look at your auto insurance and understand what’s covered before life’s little surprises happen.
At HBS Insurance, we’ll help you review your coverage and make sure you’re prepared for the unexpected—whether it comes from the road, the weather, or a very enthusiastic little artist. 🎹
📞 Give HBS Insurance a call and let’s make sure you’re covered for life’s next masterpiece.

Construction projects involve complex risks, from subcontractor liability to post-project claims. Understanding what con...
08/18/2026

Construction projects involve complex risks, from subcontractor liability to post-project claims. Understanding what construction insurance covers helps contractors protect their business, crews, and bottom line. Swipe for key insights on essential coverages and common gaps.

Need help building the right coverage portfolio or want to make sure your existing coverage is keeping up with your operation? Reach out today. We’re here to help.

If your business provides services or advice to clients, professional liability insurance, also known as errors and omis...
08/11/2026

If your business provides services or advice to clients, professional liability insurance, also known as errors and omissions insurance, is one of the most important coverages you can carry. Swipe through for a quick overview of what this coverage is, which businesses need it, and why it matters.

If you have questions about your professional liability coverage, reach out to us today. We are here to help you stay covered and protected.

Do you know the difference between term life and whole life insurance? If not, you are not alone — it is one of the most...
08/04/2026

Do you know the difference between term life and whole life insurance? If not, you are not alone — it is one of the most common questions people have when exploring life insurance for the first time. Swipe for a quick breakdown to help you understand how the two compare.

The right choice depends on your budget, your goals, and what you need your life insurance to do for your family. Have questions? Give us a call, and we are happy to help you find the right fit.

As the days get shorter, deer become much more active and are more likely to cross roadways — especially around dawn and...
07/29/2026

As the days get shorter, deer become much more active and are more likely to cross roadways — especially around dawn and dusk. For businesses with employees on the road, this seasonal increase can pose real safety risks and lead to vehicle downtime.

With that in mind, our team wants to share a few reminders to help keep your drivers, passengers, and business vehicles protected this fall.

So, if you're not sure what your current commercial auto policy includes or would like to review your business vehicle coverage this fall, feel free to reach out. We'd be happy to answer your questions and help you understand your options.

07/24/2026

“Some breakups deserve closure not coffee in your gear shift.” ☕🚗

Relationships don’t always end smoothly
 but pouring coffee into someone’s gear shift is definitely taking it too far.

Intentional damage caused by someone else isn’t the same as an accident, and every claim depends on the facts and the details of your policy. While you can’t insure against a bad ex making bad decisions, you can make sure your auto insurance is ready for whatever the road throws at you next.

Whether it’s a collision, storm damage, theft, or another unexpected event, the right coverage can help protect you from tomorrow’s surprises—even if it can’t fix yesterday’s relationship.

At HBS Insurance, we’re a family-owned agency proudly serving Southern Indiana and the Louisville area with personalized service and straightforward coverage.

Leave the drama in the past. We’ll help you prepare for what’s ahead.

07/17/2026

“Your drone may be waterproof... your wallet probably isn’t.”

A perfect flight can end with one unexpected splash.

Whether it’s a gust of wind, a drained battery, or a momentary loss of signal, drones don’t always land where you planned. And when they end up in the backyard pool, the damage may not stop with the drone. A crash could also damage pool equipment, outdoor furniture, windows, or even a neighbor’s property.

Before your next flight:
🚁 Check your battery before takeoff.
đŸŒŹïž Avoid flying in windy conditions.
🏊 Keep a safe distance from pools, people, and neighboring homes.
✅ Review your homeowners and liability coverage so you’re prepared if an accident happens.

At HBS Insurance, we’re a family-owned agency proudly serving Southern Indiana and the Louisville area with straightforward coverage and personalized service to help protect what matters most.

Enjoy the view from above but keep the landings dry.

SummerFun SouthernIndiana LouisvilleKY

07/10/2026

“Your kayak belongs on the water not passing you on the highway.”

You packed the cooler, grabbed the paddles, and hit the road. But if your kayak isn’t secured properly, your relaxing day on the water could turn into a dangerous and expensive insurance claim before you ever reach the lake.

A kayak coming loose on the highway can damage your vehicle, other vehicles, and create a serious safety hazard for everyone on the road.

Before your next adventure:
🚣 Double-check your roof rack and tie-down straps.
🔒 Give the kayak a firm shake before you leave to make sure it’s secure.
🚗 Recheck your straps after a few miles, especially on long trips.
✅ Make sure your auto insurance has the coverage you need if the unexpected happens.

At HBS Insurance, we’re a family-owned agency proudly serving Southern Indiana and the Louisville area with straightforward coverage and personalized service to help protect every adventure.

Have fun on the water—but make sure your kayak arrives there with you.

AutoInsurance

07/08/2026

“The road deserves your attention—not your notifications.” đŸ“±đŸš—

That text can wait. The road can’t.

A quick glance at your phone, adjusting the GPS, or reaching for a drink only takes a second—but that’s all it takes for a distracted driving accident to happen. The consequences can include vehicle damage, injuries, and costly liability claims.

Before your next trip:
đŸ“” Put your phone on Do Not Disturb While Driving.
🚗 Set your GPS before you leave.
👀 Keep your eyes on the road and your hands on the wheel.
✅ Review your auto insurance to make sure you’re protected if the unexpected happens.

At HBS Insurance, we’re a family-owned agency proudly serving Southern Indiana and the Louisville area with personalized auto insurance and straightforward coverage you can count on.

Drive smart. Stay focused. Arrive safely.

Address

113 W Chestnut Street
Jeffersonville, IN
47130

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 3pm

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