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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

Hearing that your car has been "totaled" can feel confusing, especially if it's still drivable and the damage doesn't lo...
10/14/2026

Hearing that your car has been "totaled" can feel confusing, especially if it's still drivable and the damage doesn't look as bad as you expected.

However, a vehicle being totaled isn't really about how the car looks; it's a financial calculation. And understanding how it works can make a stressful moment feel a little less overwhelming. Swipe through for what actually determines it and a few misconceptions worth clearing up.

Whether you're dealing with a totaled car or just want to understand your auto coverage before you ever need it, we're happy to walk through it with you. Reach out anytime.

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough ...
10/13/2026

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough to protect them in the event of a major claim.

When a serious accident or unexpected lawsuit exceeds what your existing policies can cover, the gap between what you owe and what your insurance pays becomes very real, very fast. That’s where umbrella liability coverage comes in.

Umbrella liability insurance covers costs that would otherwise come straight out of your pocket. With relatively low annual costs, this comprehensive coverage can be one of the most affordable ways to fully protect what you love.

So, if you’re curious about whether umbrella insurance makes sense for your situation, please don’t hesitate to reach out to our team. We are here to help you run the numbers and see what makes sense.

As the days get shorter, deer become much more active and are more likely to cross roadways — especially around dawn and...
10/06/2026

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.

Starting a construction project? Understanding when your builder’s risk coverage begins and ends is key to avoiding cost...
09/29/2026

Starting a construction project? Understanding when your builder’s risk coverage begins and ends is key to avoiding costly gaps. Swipe through to learn when coverage should begin and when it can end.

Have questions about your current policy or need coverage for an upcoming project? Give us a call. We're here to help.

Can you believe there are only 100 days left in the year? Before the final stretch gets away from you, it is worth pausi...
09/22/2026

Can you believe there are only 100 days left in the year? Before the final stretch gets away from you, it is worth pausing to ask one simple question: has your life changed this year?

A new car, a home purchase, a career change — these are the kinds of milestones worth celebrating. They are also the kinds of changes that can quietly create gaps in your insurance coverage if your policies have not kept up.

Here are some of the most common life events that can affect your coverage:

✅ You bought a new home or renovated your home. A new home purchase or extensive renovations require coverage that reflects the property's true replacement cost, not just its market value.

✅ You purchased a new car. Purchasing a new car is a change that always merits a check-in about your insurance coverage, especially if you purchased a car worth more than the vehicle you were previously driving.

✅ Your family or household situation changed. Marriage, divorce, welcoming a new child, adding a teen driver, sending a child off to college, or welcoming an adult child back home are all changes that can affect your auto and homeowners coverage.

✅ You’ve acquired new valuables or heirlooms. If you’ve recently obtained or inherited new jewelry, art, or other collectibles, it may be worth reviewing whether these items would be fully covered under your current homeowners policy.

✅ Your income, assets, or career changed. A promotion, a new job, a side business, or an inheritance can all increase your financial exposure in ways your current coverage may not reflect.

If any of these sound familiar, our team would love to take a few minutes to review your policies together and ensure everything still aligns with where you are now. It's a simple conversation that can make a real difference.

Feel free to reach out anytime. We are here to help ensure your coverage keeps up with your needs.

With Fall Prevention Awareness Month underway, this is a good opportunity for businesses to revisit workplace safety pra...
09/17/2026

With Fall Prevention Awareness Month underway, this is a good opportunity for businesses to revisit workplace safety practices and identify potential slip, trip, and fall hazards.

Encouragingly, many of these accidents can be prevented through proactive planning, regular maintenance, and awareness. Swipe through to learn more.

As always, if there is ever anything we can help with, do not hesitate to reach out. We are here for you.

The fall is a smart time to take a closer look at your commercial property and address maintenance needs before colder w...
09/15/2026

The fall is a smart time to take a closer look at your commercial property and address maintenance needs before colder weather creates bigger problems.

Preventive maintenance helps protect your property’s value, reduce safety issues, limit business interruptions, and lower the risk of preventable claims. Swipe for a few maintenance areas to review this season.

We hope you found this list helpful as you prepare your property for the fall. As always, if you have any questions or any needs this season, don’t hesitate to give us a call. Our team is here to help!

Have you heard of term life insurance and are wondering if it might be right for you? Term life coverage is designed to ...
09/10/2026

Have you heard of term life insurance and are wondering if it might be right for you? Term life coverage is designed to provide a financial benefit to your chosen beneficiaries if you pass away during a selected coverage period, often 10, 20, or 30 years.

Here are a few reasons many people choose this type of coverage:

🔹It can be a good fit during life’s busiest financial years, when others may be relying on your income the most.

🔹Coverage may be more affordable when purchased earlier, as premiums are often based on factors such as age and health.

🔹You can choose coverage that aligns with your goals, like paying off a mortgage, supporting children through college, or preparing for retirement.

🔹It can provide protection at a lower cost, allowing individuals to obtain higher coverage amounts for a lower premium.

🔹 Some policies offer flexibility for the future, with options to convert to permanent life insurance later on.

If you’d like to explore coverage options or see what a policy may look like for your situation, feel free to reach out. We’d be happy to answer questions or put together a quote for you.

Labor Day is a great reminder to slow down, thank your team, and take a fresh look at workplace safety. As Southern Indi...
09/04/2026

Labor Day is a great reminder to slow down, thank your team, and take a fresh look at workplace safety. As Southern Indiana and Kentuckiana businesses gear up for a busy fall, it’s a perfect time to review workers’ compensation coverage, check job classifications, update payroll changes, and make sure certificates of insurance are current.

Our team at HBS Insurance is here to help you stay protected and confident heading into the season. If you’d like a quick coverage review, reach out to HBS Insurance in Jeffersonville anytime.

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:

🌱 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.

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

🌱 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.

🌱 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.

🌱 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.

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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