Reed Brothers Insurance Services, Inc.

Reed Brothers Insurance Services, Inc. Delivering the best insurance protection to South Central Kentucky and the Lake Cumberland area.

Reed Brothers Insurance Services offers Kentucky residents and businesses quality insurance solutions. As an independent insurance agency, our primary focus is on protecting the unique needs of our clients. We do this by offering a personalized experience in getting to know you, your family, and your business and utilizing our access to multiple reputable insurance carriers to formulate a protecti

on plan that works for you. Our experienced team understands that having the right agent by your side is what makes your experience a seamless process, with less to worry about at a time of loss. We are here for you before, during, and beyond your insurance shopping experience because having a team you can rely on is worth more than the price of coverage.

By now, you've seen the good news for Kentucky business owners: 2026 rates dropped! But here’s the reality check: a stat...
05/15/2026

By now, you've seen the good news for Kentucky business owners: 2026 rates dropped!

But here’s the reality check: a state-wide decrease doesn't automatically mean your individual bill will go down. Factors like your Experience Mod (your business's specific safety score) and NCCI class code accuracy are the real wildcards that determine your final premium.

If you want to turn these theoretical savings into actual cash flow, you need a Game Plan. In our latest blog post, we are breaking down the four pillars every Kentucky employer needs to master this quarter:
✅ Payroll Reporting: Why "Pay-As-You-Go" is a game-changer for seasonal contractors and restaurants.
✅ Class Code Accuracy: Ensuring your office staff in Lexington isn't being billed at high-risk construction rates.
✅ Subcontractor Paperwork: The "No COI, No Start" rule that protects you from massive audit bills.

Whether you’re running a crew in Somerset or a kitchen in Louisville, don’t leave money on the table this year.

Read the full 2026 Strategy Guide here: https://rbisomerset.com/blog/kentucky-workers-compensation-2026-guide/

Ready to get a quote? Message us!

Essential 2026 Kentucky workers' compensation guide for employers. Learn about the 9.7% rate decrease, NCCI technical changes, and audit strategies to protect your bottom line.

Who buys it—owner or GC? What’s covered—and what’s not? In Kentucky, Builders' Risk insurance is simple when you set it ...
05/13/2026

Who buys it—owner or GC? What’s covered—and what’s not? In Kentucky, Builders' Risk insurance is simple when you set it up right.

We put together a guide to Kentucky Builders Risk insurance: who should buy it (owner or GC), what it actually covers (materials, temp structures, some transit/off-site), and the add-ons that keep jobs moving (soft costs, testing, permission to occupy).

Use this before you mobilize:
• Decide who buys it + set the limit to project value (with change orders)
• List named insureds, additional insureds, and loss payees
• Add soft costs/delay if timing or financing is tight
• Right-size transit/off-site limits; consider flood/earthquake where needed
• Spell out who pays the deductible and mirror the contract language

Read the guide: https://rbisomerset.com/blog/builders-risk-insurance-kentucky/

Kentucky Builders Risk Insurance or course-of-construction coverage in KY: owner vs. GC, materials, soft costs, and endorsements.

Is your ministry fully protected?Many Kentucky churches focus on their mission, but often overlook the details of their ...
05/12/2026

Is your ministry fully protected?

Many Kentucky churches focus on their mission, but often overlook the details of their insurance until something happens. Do you know if your policy covers volunteer drivers? Or how your wind/hail deductible actually works in "real dollar" terms?

Our latest blog post breaks down the "big buckets" of church insurance, including:
✅ Property & General Liability
✅ Abuse & Molestation Coverage
✅ Directors & Officers (D&O) protection
✅ Cyber Liability for digital giving

We’ve also included a simple 90-day action plan to help you get organized before the year gets too busy.

Read the full guide here: https://rbisomerset.com/blog/what-does-church-insurance-cover/

What does church insurance cover in Kentucky? A simple Q1 plan to review coverages and fix the most common church risks.

If you’ve ever opened a workers’ comp audit bill and thought, “How did it get THIS high?” — this is usually why.Kentucky...
05/11/2026

If you’ve ever opened a workers’ comp audit bill and thought, “How did it get THIS high?” — this is usually why.

Kentucky contractor classification can make-or-break your premium. And in 2026, the gap between class codes is still huge.

In our new guide, I break down NCCI Rule 1-D-3 (the “interchange of labor” rule) in plain English. Here’s the big takeaway:
✅ If your crew bounces between tasks (framing, concrete, roofing repairs, etc.), you may be eligible to split payroll…
❌ But only if your records are tight. If not, the auditor can push 100% of payroll into the highest-rated code.

I also show a real example where tracking hours correctly saved $4,923 on one employee.

Read the full guide here: https://rbisomerset.com/blog/kentucky-contractor-classification-2026-guide/

If you want me to sanity-check your class codes before the audit, reach out. Call 606-679-6311, or request a quote at KentuckyContractorInsurance.com.

Are your employees performing multiple jobs? Learn how NCCI Rule 1-D-3 and proper Kentucky contractor classification can save you thousands on workers' comp premiums in 2026.

If you’re a Kentucky contractor, here are 5 insurance fixes to handle now — before the phone starts ringing and the sche...
05/09/2026

If you’re a Kentucky contractor, here are 5 insurance fixes to handle now — before the phone starts ringing and the schedule fills up.

We just published: “Kentucky Contractor Insurance: Top 5 Changes To Make Now”
✅ Workers’ comp cleanup
✅ Subcontractor paperwork
✅ Tools & trailer lists
✅ Payroll tracking (audit-friendly)
✅ Commercial auto + drivers

Read it here: https://rbisomerset.com/blog/kentucky-contractor-insurance-top-5-changes-to-make-now

5 Kentucky contractor insurance changes to make now: comp, subs, tools, and auto fixes before the busy season.

Hot take:The bare-minimum policy is the most expensive policy.Because it’s the one that doesn’t respond the way you thin...
02/14/2026

Hot take:

The bare-minimum policy is the most expensive policy.

Because it’s the one that doesn’t respond the way you think it will.

If you’re a Kentucky dealer, we mapped out a 90-day Kentucky used car dealer insurance plan for Q1:
• Fix KY compliance items
• Make open lot limits match reality
• Tighten drivers + demo rules
• Get claim-ready before something happens

Here’s the blog: https://rbisomerset.com/blog/kentucky-auto-dealer-insurance-90-day-q1-risk-game-plan

Build a Kentucky used car dealer insurance plan for Q1 with this 90-day game plan—KY compliance, drivers, inventory limits, and open-lot protection.

By now, you've seen the good news for Kentucky business owners: 2026 rates are dropping! But here’s the reality check: a...
02/13/2026

By now, you've seen the good news for Kentucky business owners: 2026 rates are dropping!

But here’s the reality check: a state-wide decrease doesn't automatically mean your individual bill will go down. Factors like your Experience Mod (your business's specific safety score) and NCCI class code accuracy are the real wildcards that determine your final premium.

If you want to turn these theoretical savings into actual cash flow, you need a Game Plan. In our latest blog post, we are breaking down the four pillars every Kentucky employer needs to master this quarter:

✅ Payroll Reporting: Why "Pay-As-You-Go" is a game-changer for seasonal contractors and restaurants.
✅ Class Code Accuracy: Ensuring your office staff in Lexington isn't being billed at high-risk construction rates.
✅ Subcontractor Paperwork: The "No COI, No Start" rule that protects you from massive audit bills.
✅ 2026 Legislative Updates: What you need to know about HB 26 (psychological injury coverage) and HB 402.

Whether you’re running a crew in Somerset or a kitchen in Louisville, don’t leave money on the table this year.

Read the full 2026 Strategy Guide here: https://rbisomerset.com/blog/kentucky-workers-compensation-2026-guide

Ready to get a quote? Message us!

Essential 2026 Kentucky workers' compensation guide for employers. Learn about the 9.7% rate decrease, NCCI technical changes, and audit strategies to protect your bottom line.

A 1/8-inch crack can dump 250 gallons of water into your sanctuary daily.Kentucky winters are incredibly unpredictable, ...
02/12/2026

A 1/8-inch crack can dump 250 gallons of water into your sanctuary daily.

Kentucky winters are incredibly unpredictable, as we've witnessed, and especially for our church buildings.

We often see wild temperature swings in Somerset and Lexington.

These "freeze and thaw" cycles put immense pressure on plumbing.

Protecting God's house is a vital act of stewardship.

I have shared a few simple steps to help your ministry.

Learn how to safeguard your building this February.

Read the full guide here: https://rbisomerset.com/blog/kentucky-church-frozen-pipe-prevention/

Learn essential tips for protecting Kentucky church property this winter. We share how to prevent pipe bursts in Somerset, Lexington, and Bowling Green.

If you’re a Kentucky contractor, here are 5 insurance fixes to handle now — before the phone starts ringing and the sche...
02/11/2026

If you’re a Kentucky contractor, here are 5 insurance fixes to handle now — before the phone starts ringing and the schedule fills up.

We just published: “Kentucky Contractor Insurance: Top 5 Changes To Make Now”

✅ Workers’ comp cleanup
✅ Subcontractor paperwork
✅ Tools & trailer lists
✅ Payroll tracking (audit-friendly)
✅ Commercial auto + drivers

Read it here: https://rbisomerset.com/blog/kentucky-contractor-insurance-top-5-changes-to-make-now/

5 Kentucky contractor insurance changes to make now: comp, subs, tools, and auto fixes before the busy season.

If you’ve ever opened a workers’ comp audit bill and thought, “How did it get THIS high?” — this is usually why.Kentucky...
02/07/2026

If you’ve ever opened a workers’ comp audit bill and thought, “How did it get THIS high?” — this is usually why.

Kentucky contractor classification can make or break your premium. And in 2026, the gap between class codes is still huge.

In our new guide, I break down NCCI Rule 1-D-3 (the “interchange of labor” rule) in plain English. Here’s the big takeaway:

✅ If your crew bounces between tasks (framing, concrete, roofing repairs, etc.), you may be eligible to split payroll…
❌ But only if your records are tight. If not, the auditor can push 100% of payroll into the highest-rated code.

I also show a real example where tracking hours correctly saved $4,923 on one employee.

Read the full guide here: https://rbisomerset.com/blog/kentucky-contractor-classification-2026-guide/

If you want me to sanity-check your class codes before the audit, reach out. Call 606-679-6311, or request a quote at KentuckyContractorInsurance.com.

Are your employees performing multiple jobs? Learn how NCCI Rule 1-D-3 and proper Kentucky contractor classification can save you thousands on workers' comp premiums in 2026.

Address

95 E Somerset Church Road
Somerset, KY
42503

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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