Commercial Insurance

Commercial or business insurance protects your company and employees with coverage for worker’s comp, auto, property and general liability insurance. Any small business or large corporation needs protection and through a commercial insurance plan, you and your business can have it.

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Commercial Insurance

What We Cover:

  • Alarm & Fire Protection
  • Apartments
  • Architects
  • Auto Repair Shops
  • Barber or Beauty Shops
  • Carpet Cleaners
  • Churches
  • Clinics
  • Condominiums
  • Consultants
  • Contractors
    • Carpenters
    • Concrete Contractors
    • Electricians
    • Excavators
    • General Contractors
    • HVAC Contractors
    • Land Graders
    • Landscapers
    • Masons
    • Painters
    • Pavers
    • Plumbers
    • Roofers
    • Sewer Contractors
    • Sheet Metal Contractors
    • Siding Contractors
    • Tree Trimmers
  • Detective & Security
  • Engineers
  • Floor Installers
  • Freight Installers
  • Garbage Haulers
  • Hole In One
  • Loggers
  • Manufacturers
    • Concrete Products
    • Food Products
    • Foundries
    • Furniture
    • Machine Shops
    • Metal Goods
    • Plastic Products
    • Woodworking Shops
  • Marine Insurance
  • Motels and Hotels
  • Non-Profit Organizations
  • Officers
  • Outdoor Adventure
  • Pest Control
  • Printers
  • Real Estate Agents
  • Repair Shops
  • Restaurants
  • Sand and Gravel Haulers
  • Sawmills
  • Special Events
  • Sports & Leisure
  • Stores
    • Auto Accessory Stores
    • Building Material Dealers
    • Convenience Stores
    • Electronic Stores
    • Floor Covering Stores
    • Furniture Stores
    • Gas Stations
    • Glass Dealers
    • Grocery Stores
    • Hardware Stores
    • Machinery Dealers
    • Retail Stores
    • Wholesale Distributors
  • Truckers
  • Warehouses
  • And Much More!

Auto & Garage

Automobile Coverage is available for the following:

  • Your obligation to others for bodily injury or property damage
  • Costs of settling claims and defending suits
  • Medical payments or no-fault benefits
  • Uninsured and underinsured motorists
  • Comprehensive
  • Collision
  • Towing
  • Rental reimbursement

Any size fleet may be written. 


The Garage coverage form is designed for automobile dealers. It combines coverages provided under General Liability and Automobile policies. In addition, Garagekeepers’ coverage is available to pay all sums resulting from damage to automobiles left in your care.


  • Contract Bonds
  • License & Permit Bonds
  • Court & Judicial Bonds
  • Probate & Fiduciary Bonds
  • Public Official Bonds
  • Fidelity, Forgery & Crime Bonds
  • General Bonds


Employee Dishonesty

  • Covers your loss arising out of dishonest acts against you by your employees.

Forgery or Alteration

  • Covers loss caused by the forgery or alteration of your checks, drafts, or promissory notes.

Theft, Disappearance, and Destruction

  • Coverage applies to the loss of money and securities arising out of theft, disappearance, or destruction while inside or outside your described premises.

General Liability

Insurance for what the policy holder is legally obligated to pay because of bodily injury or property damage caused to another person. These losses include such things as a slip and fall on your property, medical expenses, damage to premises rented to you, or a product you create that injures someone. Another common term for liability is casualty.

Inland Marine

  • Accounts receivable
  • Bailees’ coverage
  • Builders’ risks
  • Contractor’s tools and equipment
  • Employees’ tools
  • Installation coverage
  • Motor truck cargo
  • Property in the course of construction
  • Valuable papers and records
  • Warehouseman’s liability

Marine Insurance

  • Boat dealerships
  • Marinas & Yacht Clubs
  • Marine manufacturers
  • Commercial Marine
  • Recreational Marine

Packaged Coverages

Packaged coverages can be specially tailored to each type of business listed:

  • Apartments
  • Car Care Operations
  • Church
  • Contractors
  • Motels
  • Offices
  • Restaurants
  • Retail Stores
  • Service Operations
  • Wholesalers

Commercial Package Policy The Commercial Package Property combines all the coverages you will need under one policy for one low price. Special programs with tailored coverages include:

  • Apartments
  • Contractors
  • Manufacturers
  • Mercantile
  • Offices
  • And More!


Broad coverages are available to insure your:

  • Buildings
  • Business personal property
  • Personal property of others
  • Loss of income and extra expenses
  • Outdoor property including fences, signs, and antennas

Special Coverages

Ask your agent about the following:

  • Barbers’ and Beauticians’ Professional Liability
  • Cemetery Professional Liability
  • Church Counseling Professional Liability
  • Church Directors and Officers Liability
  • Church Sexual Misconduct or Sexual Molestation Liability
  • Commercial Output Policy
  • Condominium Directors’ and Officers’ Liability
  • Contractors’ Errors and Omissions
  • Corporal Punishment
  • Employee Benefits Liability
  • Equipment Breakdown
  • Financial Institutions Endorsement
  • Flood
  • Foreclosed Property
  • Full Building Coverage
  • Funeral Directors’ Professional Liability
  • Gap Coverage – Lease or Loan
  • Liquor Liability
  • Pollution
  • Printers’ Errors and Omissions
  • Product Recall
  • Sewer Back-up
  • Spoilage
  • Uninsured Motorist – Property Damage
  • Veterinarians’ Professional Liability

Workers' Comp

Part One – Workers’ Compensation

  • Covers benefits required of you by Workers’ Compensation law. Applies to bodily injury to or death of your employee arising out of his or her employment.

Part Two – Employers’ Liability

  • Protects you when tort suits are brought against you as the result of injury to or death of your employee.

State Act

Maritime Employers Liability (MEL)

Jones Act

United States Longshoreman & Harbor Act (USL&H)

Defense Based Act


We have found Russ and Lynda Flynn to be trusted partners.

D.H., customer since 2006

Our company appreciates knowing that the Flynns are knowledgeable, skilled and experienced.

S.B., customer since 2015

We would never consider any other agency for our insurance needs.

M.G., customer since 2000

I am very grateful for having a great insurance company, but even more so for having an awesome insurance agent.

R.M., customer since 2006

It’s very comforting to know for certain that my insurance agent is always looking out for my best interests and is always on the job.

B.P., customer since 2016

It's nice to know people in the insurance business who go the extra mile for you. They always put your needs first!

R.H., customer since 1996

I appreciate Henneberger Flynn's personal attention to detail through personal contact with reminders regarding policies, premiums, or other issues.

P.L., customer since 2011

Henneberger Flynn is always there when we need advice. It's nice to have a knowledgeable agent who cares about her clients.

M.K., customer since 2013

Henneberger Flynn will always have my business and I don't say that lightly!

J.J., customer since 2008

We moved out of the Paducah area but stayed with Henneberger Flynn Insurance because of their great service.

M.L., customer since 2010

Henneberger Flynn is always very receptive and responsive to questions.

R.J., customer since 2015