How much does IT Consultant insurance cost in Lexington, Kentucky?

The estimated annual cost for a IT Consultant in Lexington with one employee is between $627 and $923. The state base rate is $870.

What insurance is required for a IT Consultant in Kentucky?

In Kentucky, businesses are subject to a 6.0% insurance tax. IT Consultants typically need General Liability due to a risk factor of 0.8.

IT Consultant Insurance Cost in Lexington, Kentucky (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$627-$923

Estimated Annual Premium

Monthly Average Breakdown

$62 / mo

Includes General Liability

Industry Risk Profile

IT consulting has low physical risk but requires Professional Liability (E&O) insurance to protect against data breaches and software failures.

Risk Factor0.8x

Location Factors

State Base Rate$870
Lexington Multiplier1x
State Tax Rate6.0%

Local Compliance FAQ

Is General Liability required in Lexington?

While Kentucky law may not mandate it for all businesses, IT Consultants often need proof of insurance to bid on local commercial projects in Lexington.

Why is the rate different here?

Your premium reflects Kentucky's specific base rate of $870 and a local city multiplier of 1x.

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