Our Services

HIG takes great pride in being the right size; big enough to service risks small and large, but still deliver a hometown feel by having a dedicated service team to handle our greatest asset our individual clients.

Property & Casualty

Houchens Insurance Group (HIG) is one of the nation’s leading insurance brokerages offering complex property and casualty insurance and risk management services. The insurance industry is constantly changing, and our brokerage team approach affords our clients vast resources of industry talent and experience to help analyze and manage their risk. We take great pride in forming relationships with our clients to learn their opportunities for risk and offer strategic solutions to mitigate them.

HIG–Education is the provider of Property/Casualty, Workers’ Compensation, and Employee Benefits insurance for school districts throughout our region.  Our team of more than forty employees has evaluated, serviced, and responded to the unique exposures of our schools, employees, and students for over fifty years.  At HIG-Education, our experience and commitment are focused on insuring schools, helping control exposure to loss through risk management reviews and analysis, and working with our clients to ensure economic vitality now and in the future.  We would be honored to have the opportunity to work with your school system!


We at Houchens Insurance Group serve both commercial and contract surety clients of all industries, sizes, ownership structures, and trades, from those obtaining their first bond to those with revenues in the hundreds of millions, including ENR top contractors.  Seeking long-term strategic relationships with our clients, we are creative & proactive in our approach and use our in-depth knowledge of the surety underwriting process to negotiate (& continually manage) optimal surety terms and conditions.

For 100 years Houchens Insurance Group has offered personal insurance coverage with outstanding service for our clients. We represent numerous companies which allows us to cater to our client’s personal insurance needs. From your home and auto, your boat or motorcycle, and everything in between- Houchens is here to insure and service your needs.  Our dedicated service team is available to answer your calls, file your claims, and make changes to your policy. We want to be your one stop shop for your personal insurance needs.

Small Business

Houchens Insurance Group has a goal to help you protect the assets of your business from the unexpected.  Our Select Division agents work as your TrustedChoice advisors throughout the insurance purchase to find coverage that works for your needs, as well as your budget.  We are an independent agency that works with multiple carriers to find you the policies for Business Liability, Commercial Property, Business Auto, Workers Compensation, or any of your insurance needs.

Right from the start we get to know your staff, your company culture and whether the benefits you offer are truly meeting the needs of your employees. Benefits are changing all the time and more so today than ever before. We work hard to be up to date on all that’s out there. We have solutions for all-size companies, let us get to know yours. We offer personalized support every step of the way. Choosing to work with us is the first step. We have staff to answer your technology solutions, changing compliance issues, as well as implementation, and day to day support. With in-house actuarial experience we can guide you on trends and offer you several approaches to find the solution that works for you.

Employee Benefits

Public Entity

HIG-Public Entity is the provider of Property/Casualty and Workers’ Compensation insurance for Public Entities throughout Kentucky.  Our team evaluates, services, and responds to the unique exposures of Cities, Counties, Utility Districts, Non-Profits and other Public Entities.  At HIG-Public Entity, our experience and commitment are focused on insuring your risks, and helping control exposure to loss through risk management reviews and analysis.  Our representation of more than 600 Public Entity clients demonstrates our commitment and the individual service we provide to each.

HIG-Risk Control and Safety department’s sole focus is to assist clients with preventing and managing their exposures to loss, to enable them the opportunity to apply those savings back to their bottom line. Our goal as a trusted advisor is to help you build a risk management culture and program that is custom designed for your own unique set of exposures and needs. We recognize that risk management is not your primary business, so our experienced, and educated risk control & safety team will tailor our approach to your very own unique culture and capabilities; and will design individualized programs and processes that are simple enough to execute, but effective enough to achieve your desired results.

Risk Control & Safety