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Your Trusted Independent Insurance Agency in Kentucky
Cole & Durham Insurance operates as an independent insurance agency dedicated to providing personalized insurance solutions across Kentucky. With a foundation built on honesty, trust, and respect, we prioritize understanding each client's unique needs to offer tailored coverage options. Our team collaborates with multiple top-rated insurance carriers to ensure competitive pricing and comprehensive protection for personal and business clients. As a locally rooted agency with offices in Madisonville, Bowling Green, Owensboro, Central City, and Hartford, we combine local expertise with a commitment to exceptional service.Our licensed agents specialize in auto, home, business, life, and specialty insurance, including coverage for boats, motorcycles, and RVs. We emphasize transparency, never pushing unnecessary products, and focus on long-term client relationships. Our approach includes annual policy reviews to maintain optimal coverage and affordability. Recognized as a Lawton Agency, we uphold a tradition of integrity while embracing progress to better serve our community.
Services
Auto Insurance
Home Insurance
Business Insurance
Life Insurance
Commercial Insurance
Renters Insurance
Condo Insurance
Landlord Insurance
Personal Umbrella Insurance
Cyber Liability Insurance
Highlights and features
- We are an independent agency representing multiple top-rated insurance carriers.
- Our agents provide personalized service tailored to individual and business needs.
- We maintain local offices across Kentucky for community-focused support.
- Annual policy reviews ensure ongoing coverage optimization and affordability.
- We prioritize transparency and avoid selling unnecessary insurance products.
What people say
Great customer service
Knowledgeable and helpful agent
Prompt and efficient service
Attentive to unique needs
Stress-free experience
Services
Auto Insurance
We provide comprehensive auto insurance solutions tailored to individual drivers and families. Our policies cover liability, collision, and comprehensive protection while offering discounts for safe driving and multi-policy bundling. Our agents compare rates across multiple carriers to ensure optimal value.
Home Insurance
Our home insurance policies protect primary residences, vacation homes, and rental properties against damage, theft, and liability claims. Coverage includes structural protection, personal belongings, and additional living expenses during repairs. We specialize in customized solutions for Kentucky homeowners.
Business Insurance
We offer business owners policies (BOP) and specialized commercial insurance for companies of all sizes. Coverage includes general liability, property protection, and workers' compensation. Our experts assess operational risks to create comprehensive packages that safeguard Kentucky businesses.
Life Insurance
We provide term and permanent life insurance solutions to protect families and ensure financial stability. Our agents help clients evaluate coverage needs based on income, debts, and future obligations while offering policies from top-rated insurers.
Commercial Insurance
Our commercial insurance packages include liability coverage, cyber liability, and workers' compensation for Kentucky businesses. We offer tailored solutions for industries ranging from construction to professional services, ensuring compliance and risk mitigation.
People
Lori Byers
Insurance Agent
Lori provides expert insurance guidance with personalized attention to client needs. She maintains prompt communication, even during vacations, and specializes in policy reviews and claim assistance for long-term client satisfaction.
JD
Insurance Agent
JD offers approachable support for insurance needs, including roadside assistance and policy adjustments. His responsive service during emergencies and thorough explanation of coverage options make him a trusted advisor for families.
Scott M.
Insurance Professional
Scott provides reliable insurance solutions with accessibility during all hours. He focuses on building client confidence through clear communication and personalized policy recommendations that align with individual risk management goals.
Questions
What types of insurance do you offer?
We provide auto, home, business, life, renters, condo, landlord, personal umbrella, commercial, and cyber liability insurance for Kentucky residents and businesses.
How do you find the best insurance rates?
As an independent agency, we compare policies across multiple top-rated carriers to ensure competitive pricing and comprehensive coverage tailored to your specific needs.
Why do business owners need insurance?
Business insurance protects against liability claims, property damage, and operational disruptions. We assess your specific risks to create customized packages that safeguard your enterprise.
How do I file an insurance claim?
Contact our office directly during business hours or use our online policy self-service tools to initiate a claim. Our team provides prompt assistance throughout the claims process.
Do you serve areas outside Madisonville?
Yes, we have local offices in Bowling Green, Owensboro, Central City, and Hartford, providing insurance solutions across Kentucky.
