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Proudly insuring Kentucky farmers, individuals, and businesses since 1929.

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Barger Insurance Agency

At Barger Insurance Agency, we are continuously working to provide the quality insurance coverage our South Central Kentucky deserves. Since 1929, we have protected our local farmers, families, and businesses.

We are not like other insurance companies; we are an independent agency that takes pride in our business and strives to provide our clients with the best insurance solutions possible that meet their specific needs. The team at Barger Insurance Agency puts clients at the heart of their business by personally getting to know them and the risks they face, and in return, can offer a broad selection of insurance policies at price points that fit their budget.

We are committed to protecting our Kentucky neighbors and look forward to every opportunity to defend their families, their businesses, and their assets, and providing the best service possible. We are inspired by offering our community service they can count on; service beyond securing coverage. We are there for you during policy changes from life’s most significant events, and during a time of loss to help you put your policy to work and ease the process before, during, and after your claim.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.

The Difference Of Our Independence

Did you know insurance companies can impose a coinsurance penalty if you don’t insure your home to the correct insurance value?

When would you want to know this valuable information? Before you buy your homeowners’ insurance or at time of loss when the insurance company tells you, “We will cover half the cost of your roof because you have a coinsurance penalty and you will have to cover the other half yourself.”

Do you think the online quoting device or artificial intelligence you used to quote and buy insurance truly cares? How can machine intelligence care if you have the right insurance coverage? Well, guess what, we do!

Because we’re natural intelligence (human), we know how hard you work to have something. Artificial and online rating is only concern with one thing, that is making it easy for you to buy insurance from the developer or financial supporter of that device or app.

That’s just one example of a situation you could get into if you don’t consider buying insurance a serious transaction. Contact our team to learn more about maximizing your protection!

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As an independent agency, we are here to help you find the right coverage.

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We write insurance solutions across Kentucky with a focus in South Central Kentucky areas including, Columbia, KYJamestown, KYRussell Springs, KY, Campbellsville, KYEdmonton, KYBurkesville, KY, Greensburg, KY, Somerset, KY, Liberty, KY, and Monticello, KY.

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We strive to uphold Erie Insurance’s long-standing commitment to service.

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Keystone Insurers Group shares in our mission to safeguard livelihoods, bolster businesses, and fortify communities.

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What Makes Barger Insurance Agency Special

Here’s what sets us apart when it comes to serving your insurance needs.

Community Focused

We give back to our community and get involved with the charities we support.

Clients Come First

We go the extra mile to exceed your expectations, no matter what you need.

Experienced Agents

With extensive experience, we understand what it takes to bring you quality coverage.

“I have been very pleased with these great folks for several years. They are very knowledgeable and easy to work with. I highly suggest you contact them today.”

– Stephen Vaughn
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Farm

ATV / Utility Vehicles

Risk Factor

Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.

Solution

If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.

Products Liability Exposure

Risk Factor

Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.

Solution

To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.

Foreign Object Ingestion Coverage

Risk Factor

Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.

Solution

Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.

Coverage for Peak Season

Risk Factor

During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.

Solution

Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.

Pollution

Risk Factor

Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.

Solution

It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.

Umbrella

Risk Factor

What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.

Care, Custody, and Control

Risk Factor

If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.

Solution

To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.

Custom Farming / Business Activity

Risk Factor

Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.

Solution

To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.

Field Crops

Risk Factor

There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?

Solution

You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.

Property

Risk Factor

If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.

Solution

Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.

Glass Coverage

Risk Factor

If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.

Solution

Be sure you have coverage to help pay for repairs or other service work for broken glass.

Farm Insurance 101

Make sure you cover the unique risks you face with farm insurance.

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Columbia, KY

326 Public Square, Suite 100
Columbia, KY 42728

Jamestown, KY

2395 North Main Street
Jamestown, KY 42629

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