Why Frankfort families and businesses choose The Way Agency
Frankfort is Kentucky's state capital and the seat of Franklin County, sitting along the Kentucky River between Lexington and Louisville. The local economy is anchored by state government, Kentucky State University, the bourbon industry, and a base of small businesses and professional services, with a housing stock that spans historic downtown properties, mid-century neighborhoods, and newer subdivisions along US-127 and US-60.
Homeowners insurance in Frankfort
Frankfort homeowners often need policies that handle older downtown and South Frankfort historic properties with updated plumbing and electrical, replacement cost on character materials, and appropriate coverage for additions. Properties along the Kentucky River and its tributaries may warrant flood insurance, which is written separately from a standard homeowners policy. The same Kentucky severe-weather exposure applies, so wind and hail deductibles and roof-age treatment deserve a careful review.
Auto insurance in Frankfort
Frankfort drivers use I-64, US-60, and US-127 for daily and regional travel, with steady commuter flow between Lexington and Louisville and heavy in-town movement tied to state government operations. Kentucky's minimum liability is 25/50/25, but as with the rest of the state we recommend higher limits along with uninsured and underinsured motorist coverage given Kentucky's elevated uninsured-driver rate.
Commercial insurance for Frankfort businesses
Franklin County's commercial base includes bourbon producers such as Buffalo Trace and the surrounding supplier network, state-government contractors and professional-services firms, construction and trades, and a growing hospitality sector tied to the Kentucky Bourbon Trail. We represent commercial carriers that write distilled-spirits product liability, general liability, commercial property and auto, workers comp, professional liability, and contractor bonding compliant with Kentucky licensing requirements.
Medicare and life insurance in Frankfort
Frankfort residents have access to local care through Frankfort Regional Medical Center, with tertiary care readily available in Lexington and Louisville. When we help seniors compare Medicare Advantage and Medicare Supplement plans, we focus on keeping preferred providers in-network across the region while managing premium and out-of-pocket costs. Life insurance conversations span state-employee families, small-business owners, and retirees planning for final expense and legacy needs.
We serve Frankfort and all of Franklin County with licensed Kentucky agents who understand historic-property underwriting, state-employee benefit coordination, and the bourbon-industry commercial landscape. Clients get direct access to an agent who knows the capital.
Insurance options in Frankfort
Personal Insurance
Home, auto, umbrella, renters, flood, and specialty coverage.
View optionsCommercial Insurance
Liability, property, auto, workers comp, cyber, bonds.
View optionsLife & Health
Medicare, health, life, disability, and employee benefits.
View optionsGet an insurance quote in Frankfort
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Frequently asked questions about insurance in Frankfort
Yes. Franklin County hosts Buffalo Trace and a surrounding supplier network. Bourbon-industry coverage typically layers distilled-spirits product liability, commercial property, general liability, commercial auto, workers compensation, and sometimes specialty inland marine on aging stock. We represent carriers that write distilled-spirits risk and understand Kentucky bourbon-trail exposure.
State of Kentucky employees typically carry KEHP health coverage and may layer supplemental life, disability, or specialty health through private carriers. We can quote supplemental life, disability income, and individual health policies that complement existing state benefits. We do not displace or replace KEHP coverage.
Properties in or adjacent to FEMA Zone A or AE along the Kentucky River and its tributaries require flood insurance if you carry a federally regulated mortgage. Standard homeowners policies do not cover flood damage regardless of zone. Downtown and South Frankfort properties near the river are worth a flood-zone lookup at msc.fema.gov.
Kentucky requires every driver to carry $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 in property damage liability, and $10,000 in Personal Injury Protection. These minimums are often inadequate for Frankfort commuters using I-64 between Lexington and Louisville.
The Way Agency is an independent insurance agency, founded 1998, headquartered in Owensboro, Kentucky, and licensed in Kentucky, Indiana, and Tennessee. Independent means we represent many top-rated carriers rather than selling one company's policies, and we shop across them at renewal.
No. Our mailing address is PO Box 187, Owensboro, KY 42302. We do not operate a public Frankfort storefront. We serve Frankfort and Franklin County clients by phone, video, email, text, or in person at the client's location, including at distilleries and state-government offices when needed.
We aim to respond the same business day, Monday through Friday, 9:00 AM to 5:00 PM. We typically start with a brief phone call, but we will text or email if that is what you prefer. Bourbon-industry commercial quotes can take longer because specialty carriers underwrite distilled-spirits risk thoroughly.
How it works
1. Tell us what you need. Request a quote online or call (502) 413-5335. We just need basic info to get started.
2. We find the right carriers. We compare options across top-rated carriers to find the best coverage and price for your situation in Frankfort.
3. You choose with confidence. We present clear recommendations and help you understand exactly what you're buying. No pressure, no jargon.
We aim to respond same-day during business hours (Mon–Fri, 9:00 AM – 5:00 PM).