Houchens Insurance Group Property Casualty

Property & Casualty

Property & Casualty insurance covers some of your most important assets in life, which is why we’ve assembled a team of professionals that knows how hard you’ve worked for your valuables.  See, what we offer is a bit of a rarity these days. True understanding, genuine compassion, revolved around reliable communication to assure you of your coverage. How do we do that?


With the top-of-the line tech that assures of a smooth-sailing process with your programs. You’re  safe, your business is safe, your employees are safe. That’s the doctrine around here, and we stick to it.

Workers’ Compensation
Professional Liability

Directors & Officers
Employment Practices Liability
Pollution Liability
General Liability

Risk Management
Loss Control
OSHA Compliance & Reporting
Claims Cost Containment

Employee Benefits

You’ve taken the time to establish a team of talented individuals, and we know that’s no easy task.  After all, a company is defined by the dedication of its employees. But now you’re seeking an Employee Benefits package that’s conducive to their needs, as well as yours.


That’s where we come in. We’ll listen to your needs and accommodate accordingly to make sure your insurance goals are met and your employees are happy. We represent a business that’s employee-owned, and with that owner mentality, comes true insight. That makes all the difference – we know how this works because we sit on the other side.

Employee Benefits Houchens Insurance Group Bowling Green KY

Surety Bonds

We understand that securing a bond program requires an all-encompassing look at a company – not just their balance sheet. Our goal is to develop a lasting personal relationship with each and every client – we want to understand every in and every out of your business. We believe that our expertise in the surety business and the partnership we create with your company will ultimately help to improve your operations.


We understand the importance of bonding. It can be the difference in whether you are awarded a contract or not. With the climate of the construction marketplace, there has been no time where this is more important. We are staffed to deliver superior service, dedicated to our client assignments, and have the experience to handle any and all specialized bond needs.

Job Cost | Accounting Systems

Bid / Contract Specification & Bond Form Reviews

Annual Review of Account Rates, Capacity Needs, & Indemnity

GC-CM | Subcontractor | Project Owner Pre-qualification

Continuity Planning & Other Long Term Strategic Issues

Financial Planning | Analysis to Maximize Bond Capacity

Personal Lines

Homeowners, Auto, & Personal Umbrella

At Houchens Insurance Group, we are happy to bring choices for your insurance. We market your account to multiple carriers to offer you an insurance package delivering on coverage and price. Our agency also brings professional customer service and dedicated claims specialist to ensure we deliver an unmatched experience for our customers.


High Net Worth Clients

We work with carriers delivering products specifically designed for insuring high net worth individuals. Our carriers dedicated to high net worth customers deliver coverage packages that differentiate them from the standard carriers.

Personal Insurance Lines Houchens Insurance Group Bowling Green KY
Cyber Insurance


Today attorneys are far more likely to have a cyber breach than ever before. Cyber criminals have realized that law firms have access to PHI, PCI, and PII all in one location and in most cases with subpar online security. Legal practices are subject to various federal and state laws that determine how sensitive data must be handled. There is also an ethical duty of competence and confidentiality that require law firms to secure sensitive data. Many states have enacted data breach notification laws that apply to law firms in the event of a data breach.


Without a breach response plan these requirements are virtually impossible to comply with. A firm’s failure to comply with state notification laws can result in costly litigation, fines, the loss of client business and repetitional harm. Some of the main problems we help cover are:

Unauthorized release of confidential information

Violation of a person’s rights to privacy

Personal injury in an electronic / social media environment

Intellectual property infringement

Public Entity

At Houchens Insurance Group we understand risks associated with schools and have been working closely with Kentucky schools for decades. Our team has experience, expertise, and valuable resources needed to provide Kentucky Schools with comprehensive coverage, loss control, and risk management.


We negotiate with multiple carriers to select the best-priced products and protection, establishing the most competitive insurance package available in the marketplace. When it comes to insurance – Nobody Works Harder.

Public Entity Insurance

Houchens Insurance Group is proud to be recognized by

Best Places to Work in Kentucky as the #1 Winner in the Medium Category.


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