Experience Insurance With a One-on-One Approach

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

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Safeguard Your Lifestyle

High net worth insurance customized to your unique risks, assets, and lifestyle.

Plan for the Future

Life insurance can help you protect your family and provide peace of mind.

Coverage for the Long Haul

Long-term care insurance can help you manage associated risks and costs.

Protect Your Property

Commercial property insurance helps protect your assets and your buildings.

Joe Maupin Insurance Agency, Inc.

We take a one-on-one approach to insurance.

Who We Are

Here at Joe Maupin Insurance Agency, Inc., we are more than just your insurance advisor, we are a part of your family and your business. Because with us, insurance is personal. Whether you are protecting your possessions, your family, your business, or your employees, it’s important to know who is behind your policy. So with 15 years in business and a friendly, experienced team of insurance professionals, you can count on us to be there for you every step of the way.

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What We Do

When it comes to your insurance, we want you to have a positive and personalized experience while providing the highest quality customer service, customized coverage, and affordable solutions. That’s where our one-on-one service approach comes in. And while other agencies only represent one insurance company, we represent a carefully selected group of insurance companies to provide you with the right blend of service, price, and coverage. In addition, as an independent insurance agency, we strive to educate you on your options and can provide an assessment of your insurance needs.

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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 are there for you in your time of need.

Finding the Right Insurance for Your Needs

Your insurance needs are as unique as you are. That’s why we work to help you find personal insurance, business insurance, and employee benefits solutions that fit your specific needs.

Personal Insurance

Business Insurance

Employee Benefits

High Net Worth
Safeguard Your Lifestyle
High Net Worth
Life
Plan for the Future
Life
Commercial Property
Protect Your Property
Commercial
Property
Office
Building
Medical
Office
Long Term Care and Supplemental

Coverage for the long haul.

Protecting what’s most important in life is our specialty. That’s why we focus on offering a variety of life insurance and long-term care coverages to plan and prepare for the future, whether it’s for you, your family, or your employees.

Individual Long-Term Care
Group Long-Term Care
Life and Accidental Death

We’re Here for Our Clients

Searching for an agency that puts your first? Read our reviews to see how we’ve help our clients experience insurance differently.

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Real clients. Real reviews. Real coverage.

“If you are searching for business or personal insurance needs, please talk with Joe Maupin Insurance Agency. They have helped our business find breaks in insurance costs and streamline our process when needing additional coverages.”

– David Kiper

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We’re More Than Just an Insurance Agency

There’s more to our agency than just insurance, and we are focused on doing things differently to truly make a positive impact.

Local Agency With an International Reach

While we our proud to serve our local communities, we are also licensed to provide insurance solutions across 10+ states, the US Virgin Islands, and internationally.

15+ Years
in Business

Over the years we have gained valuable experience and insight into the world of insurance so we can better help you throughout the entire process.

Dedicated to Supporting Non-Profits

As an agency, we are committed to supporting the causes we believe in so we can help better our community, our country, and the world.

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

High Net Worth

Water Damage

Risk Factor

Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all un-endorsed homeowner policies exclude damage caused by a flood.

Solution

Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.

Valuable Possessions Coverage

Risk Factor

Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.

Solution

Schedule your valuable possessions to ensure you’ll have the money to replace them.

Collector Cars

Risk Factor

Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected.

Solution

Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.

Cyber Risk Coverage

Risk Factor

With more smart technology in homes and technology at your fingertips, malware, hackers, and other cyber threats can jeopardize your security, finances, and reputation.

Solution

Identity theft, personal injury, and cyber risk coverage may be available as an important add-on coverage to your homeowners policy.

Workers Compensation / Employee Practices Liability Insurance (EPLI)

Risk Factor

Employing domestic staff in your home can have risks associated with them. They can become injured on the job, leaving you to pay out-of-pocket for their medical expenses. Additionally, staff can sue for wrongful termination, privacy issues, discrimination, and harassment claims.

Solution

Depending on the state, workers’ compensation coverage can be added by endorsement to your homeowners policy or as a stand-alone policy. It provides coverage for medical expenses when your staff are hurt while on the job. Additionally, employment practices liability insurance can protect you from high legal costs associated with lawsuits and additional claims from current and past employees.

Additional Living Expense

Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt. As a result, you could incur additional living expenses for lodging, food, and other daily needs.

Solution

Look for coverage that provides higher limits to ensure that your schedule and your standard of living is not compromised. Additional living expense coverage compensates you for the costs incurred for housing and other living expenses if a covered event makes your home temporarily uninhabitable while it’s being repaired or rebuilt.

Excess Liability Coverage

Risk Factor

You invite guests over for a pool party and one of them dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries.

Solution

An excess liability (or umbrella policy) increases your personal liability limits by adding protection over and above your current auto, boat or homeowners policies. Excess liability insurance is available as separate coverage and offers additional peace-of-mind knowing that you have the protection you need.

Fire

Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.

Solution

Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Liability

Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

Solution

Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing an excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Flood Coverage

Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flooding. Could your home be at risk?

Solution

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program (NFIP). In the U.S., a flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write-your-own carrier. Additionally, you may be able to purchase excess limits on your homeowners policy to better protect your home.

Secondary Home / Rentals

Risk Factor

Owning a secondary home or rental property has the potential of increasing your liability exposures.

Solution

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability policy to provide for additional liability limits.

Travel Insurance

Risk Factor

Affluent individuals travel internationally four times more than the average person, and many people assume there is automatic coverage that extends from their U.S. policies. This isn’t true. Auto liability is just one example, but other exposures often not considered are kidnap/ransom (a growing criminal business) and the complexities of navigating a foreign medical system in the event of a serious illness or injury while traveling abroad. Medical care in many countries is often sub-standard, and a “care facility” (hospital) could be far way.

Solution

Not many insurance companies provide the unique coverage needed for individuals who frequently spend time outside the United States, whether for personal or business reasons. It is important to work with those companies who not only extend auto liability outside the U.S., but also provide kidnap, ransom, and medical evacuation coverage. It is also important that these carriers have office locations outside the U.S. in the unfortunate event that claims services might be needed.

Equipment Breakdown

Risk Factor

While your homeowners policy covers a wide array of perils, such as damage caused by a fire or a falling tree, it doesn’t cover some common types of problems that can occur to the equipment in or around your home. For example, a sudden surge from the local power plant might damage appliances, HVAC systems, or your home power generator.

Solution

Add mechanical breakdown coverage to your homeowners policy. If you have multiple homes, it can be purchased for each one individually. Keep in mind that while it does protect against major events, it does not cover normal wear and tear.

Special Event Coverage

Risk Factor

Planning a wedding, bar mitzvah, bat mitzvah, family reunion, or other private event is stressful enough. The last thing you should worry about is severe weather (such as a hurricane) that could cause you to postpone the event. Or, what happens is a vendor goes out of business or declares bankruptcy before your event and you lose your deposit?

Solution

No matter how carefully you plan, things outside of your control can go wrong. Purchase insurance coverage for your event. It’s typically not very expensive and helps keep you focused on all of the things that go into making your event truly memorable.

Mold Coverage

Risk Factor

Insurance companies often limit coverage to remediate mold that arises from a covered loss.

Solution

With many homeowners unaware of this risk or the limits of their own coverage, be sure to discuss the coverage options and loss prevention solutions to help reduce this risk.

High Net Worth Insurance 101

Make sure you cover the unique risks you face with high net worth insurance.

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

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Louisville, KY

4229 Bardstown Road, Suite 211
Louisville, KY 40218

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