Insurance By Industry

Construction worker icon, wearing a hard hat and overalls.
A woman is carrying a little girl on her shoulders in a field at sunset.

insurance that fits your field

Coverage Designed Around Your Industry

Every industry faces different challenges—and every business deserves coverage that fits. At HBS Insurance, we help companies across Southern Indiana and the Louisville area find insurance tailored to how they work, where they operate, and who they employ.From contractors and trucking operations to restaurants and retail shops, we understand your business and the risks that come with it.

What We Can Help You With

Protection Built for the Way You Work

No two businesses are the same, and neither are their insurance needs. That’s why our agency builds customized solutions for specific industries rather than one-size-fits-all policies.

Contractors & Skilled Trades

Protects construction and trade professionals from on-site risks, property damage, and injuries. Includes general liability, tools, and equipment coverage.

Trucking & Logistics

Comprehensive protection for drivers, fleets, and freight. Includes trucking liability, physical damage, cargo coverage, and workers comp.

Farms & Agribusiness

Covers farm property, livestock, and equipment across Southern Indiana’s rural communities. Tailored protection for small and large-scale operations.

Restaurants & Hospitality

Covers food service businesses from kitchen to front of house. Includes property, liability, spoilage, and employee coverage.

Retail & Service Businesses

Protects storefronts, offices, and service-based companies against property damage, liability claims, and interruptions that could impact operations.

Professional & Office-Based Companies

Provides errors & omissions, cyber, and general liability coverage for consultants, accountants, and administrative professionals.

A black and white drawing of two speech bubbles with a question mark in the middle.

quick answers for business owners

Frequently Asked Questions

  • Do you specialize in certain industries?

    Yes. We have decades of experience working with contractors, trucking companies, restaurants, and small businesses across multiple industries.

  • Can I bundle multiple coverages under one policy?

    Often, yes. Many business owners choose package policies that combine liability, property, and workers comp for better rates and simplified renewals.

  • Do you work with startups or new businesses?

    Absolutely. We regularly help new companies get their first commercial insurance policies and stay compliant as they grow.

  • How do I know what coverage I need?

    We’ll review your operations, contracts, and risk exposure to design a custom plan that fits your business model and budget.