Business Details
13 Years
experience
Trusted Insurance Solutions for Businesses and Individuals
Curneal & Hignite is a 100% employee-owned agency formed through the strategic merger of five legacy organizations since the 1990s, delivering comprehensive insurance solutions nationwide. With over $1 billion in written premium and 370 employee-owners, we prioritize client-centric service, ethical standards, and community engagement. Our team of licensed professionals in all 50 states offers tailored coverage for businesses, individuals, and public entities, backed by partnerships with top carriers like Safeco and Liberty Mutual. Recognized as a top 50 agency nationally and a best place to work in insurance, we combine industry expertise with localized service to protect what matters most.Our risk control specialists and award-winning teams ensure clients receive innovative solutions, transparent relationships, and unwavering support during claims. With 10+ offices across Kentucky, Tennessee, Indiana, Ohio, and Florida, we remain committed to empowering clients through education, personalized quotes, and a 99% retention rate. Our mission-driven approach focuses on enriching client and employee lives while maintaining leadership in risk management excellence.
Services
Business Insurance
Employee Benefits
Personal Insurance
Public Entity Insurance
Cyber Liability
General Liability
Commercial Property
Workers Compensation
Product Recall Insurance
Business Interruption
Details
- Year established: 2013
Highlights and features
- We are a 100% employee-owned agency with over $1B in written premium.
- Our team includes 370 employee-owners across 10+ U.S. locations.
- We maintain a 99% client retention rate through personalized service.
- Recognized as a top 50 agency nationally for industry excellence.
- Licensed in all 50 states with partnerships across major carriers.
What people say
Superior resources
Personalized service
Award-winning agency
Services
Business Insurance
Business insurance protects companies from financial risks through tailored policies covering liability, property damage, and operational disruptions. Our solutions address industry-specific exposures for manufacturers, contractors, and other sectors. With risk control specialists and customizable plans, we help businesses maintain continuity and compliance while mitigating potential losses.
Employee Benefits
Employee benefits packages include health, dental, vision, and disability insurance to attract and retain talent. Our advisors help employers design cost-effective plans that meet regulatory requirements while supporting workforce well-being. We offer group coverage options and risk management strategies tailored to business size and industry needs.
Personal Insurance
Personal insurance safeguards individuals' assets through home, auto, life, and umbrella policies. Our agents create customized protection plans that adapt to life changes while maintaining affordability. From standard coverage to specialized needs like Medicare supplements, we ensure comprehensive personal risk management.
Cyber Liability
Cyber liability insurance protects against financial losses from data breaches and cyberattacks. Our policies cover legal fees, notification costs, and business interruption for companies handling sensitive information. We help businesses implement risk mitigation strategies and maintain compliance with evolving cybersecurity regulations.
Commercial Property
Commercial property insurance covers damage to business-owned buildings, equipment, and inventory from events like fires or natural disasters. Our policies can be bundled with liability coverage or purchased separately to protect physical assets. We offer flexible terms and risk assessment services to minimize operational vulnerabilities.
Questions
What insurance solutions do you offer?
We provide business, personal, employee benefits, and public entity insurance, including specialized coverage like cyber liability and commercial property.
Why choose an independent agency?
As an independent agency, we offer multiple carrier options, unbiased advice, and tailored solutions to meet unique client needs.
How do I get coverage?
Contact us via phone or online form to discuss your needs, review options, and receive a customized quote within 24-48 hours.
Are you licensed nationwide?
Yes, we operate in all 50 states with local office support in Kentucky, Tennessee, Indiana, Ohio, and Florida.
What risk management resources exist?
Our HIG Risk Control and Safety Department provides industry-specific guidance to help prevent losses and improve workplace safety.
Reviews (7)
Mary Edwards
Feb 27, 2022
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I have always had great customer service with this business and have been doing business with them for several years. It's nice to be able to talk to a live person, get answers or resolve any issues promptly and curtiously. Highly recommend.
Dale Sprengeler
Jun 09, 2021
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On the spot with whatever I need agents more than willing to make any changes I need if I need verification is something I can usually have it within minutes
Tim Berry
May 15, 2021
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Critical: Professionalism This has got to be the worst insurance company I have ever dealt with. Raise my policy $600 after this pandemic even though I wasn't even open for business. I made an insurance claim when I reopened in the day of the repair they said I didn't have the correct coverage that I asked for when I signed up with these clowns.
Derrick Proctor
Jan 14, 2020
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Excellent staff. I have frequented this establishment for my insurance needs for over a decade. They find the best rates!
Nathan Polston
Dec 31, 2019
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Quick to send out a quote but after multiple attempts would never get back to me to actually sell me a policy. Terrible lines of communication and I would not reccomend.
Travis F.
Apr 03, 2019
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Joe and the entire staff at Curneal & Hignite do a phenomenal job. From the time they write a proposal, during renewal, to their assistance during a claim, the entire staff is totally transparent and they are all top notch!
Pamela Phillips
Feb 07, 2019
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Upon moving back to Elizabethtown and my husband starting a new career that did not offer health insurance, we spoke with Ty to help us find the right plan for our family. Though we had a qualifying event, Ty wouldn't help us unless it was during open enrollment, because he wouldn't receive commission. Waiting 3 months without health insurance would mean having our son go 3 months without a refill on his emergency medication. We went elsewhere and do not recommend coming here if all they care about is how much money they can make vs helping a family find the right plan.