Trifecta Insurance Services – Insurance Agency – Independence, KY

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Trifecta Insurance Services

Discover additional information about our organization.

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At Trifecta Insurance Services, we adhere to our motto, “A genuine local encounter.” We are dedicated to providing you with current insurance coverage that adapts to the evolving times and technologies, all while remaining true to our foundation of individualized customer service. Rest assured, our agency is highly regarded by our clients, as evidenced by our 225+ five-star reviews. You can feel confident in your decision to work with us, as we prioritize our clients and are reciprocally loved by them.

Discover the Advantages of Choosing Independence


While we may not be racing horses on the track, our trifecta comes in the form of three major lines of insurance: life insurance, business insurance, and personal insurance.

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.

Our Insurance Solution……s

We, the locally operated and family-owned agency in Northern Kentucky, understand the unique risks you face while living in Independence, KY. You are the most important to us and we strive to help protect the things that matter to you from our office.

Personal Insurance

Reliable guidance and insurance options to safeguard what is most important.

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Business Insurance

Insurance and risk mitigation solutions for businesses of every scale.

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Trifecta Insurance Services + Erie Insurance

We strive to uphold Erie Insurance’s long-standing commitment to service.

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What Makes Trifecta Insurance Services Special

Here’s what sets us apart when it comes to serving your insurance needs.

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Clients Love Us

We have more than 225+ five-star reviews that demonstrate just how much our clients value our commitment to what matters to them.

Modern Solution……s

Technology changes in a blink of an eye, which is why we strive to keep your insurance up-to-date with the latest evolution.

Traditional Values

Nothing surpasses customized customer service and enduring connections, which is why we never make concessions on service with our clients.

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Read Our Facebook Reviews

Real clients. Real reviews. Real coverage.

“We are saving money and we have so much more coverage than we did before choosing to switch! We are excited to be insured by such a great company and have such great people supporting us!”

– Shayla A.

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

Coverage for Physical Injury Liability.

Risk Factor……

If you are the owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of an accident. It is easy to get distracted while driving, especially when your eyes are off the road for a long enough time to crash into the vehicle in front of you. This can happen when you are changing the station on the radio, attending to a fussy baby, or receiving an incoming text message.


You should select a liability limit that covers the legal liability for bodily injury to another person involved in an accident. If you are sued or a claim is brought against you, you should purchase enough coverage to protect your assets. You should also consider purchasing an excess liability policy, which may provide additional limits of liability.

Coverage for damages to property.

Risk Factor……

The necessary sum, if applicable, can differ depending on the state. In the event of an automobile accident involving you, your family, and your vehicle, you may have to bear the financial liability for any harm inflicted upon another person’s belongings.


In some cases, you have the option to select your coverage limit or it may be a predetermined amount set by the insurer or local regulations. If your car causes damage to someone else’s property, such as another vehicle, a fence, or a building, the property damage section of your auto insurance policy safeguards you.

Medical Payments Coverage and Personal Injury Protection.

Risk Factor……

Not covered by your health plan, a significant portion of the healthcare expenses, including out-of-pocket costs, can amount to thousands of dollars. It is not unusual for healthcare expenses to reach thousands of dollars, whether resulting from your actions or those of another driver, depending on the extent of injuries sustained in a car collision.


It is crucial to comprehend the significance of having adequate coverage and limits in the state where it is necessary. Coverage and limits can differ depending on the specific requirements. In the event of an accident, Personal Injury Protection can assist in covering some medical expenses for both passengers and drivers.

Coverage for Damage Caused by Uninsured or Underinsured Motorists.

Risk Factor……

What happens when you hit a driver who doesn’t have enough liability coverage? Or even worse, what if they don’t have any coverage at all? Research has shown that if you’re involved in a collision with an uninsured driver, you may be left to pay out-of-pocket for medical expenses and damages that are not covered by the other driver.


Compensation for physical harm and earnings lost due to an individual without insurance, a driver who flees the scene, a driver whose auto insurance provider is bankrupt, or a driver who hasn’t obtained sufficient coverage to cover the expenses can be provided through uninsured/underinsured motorist damage coverage.

Coverage for Physical Damages.

Risk Factor……

Your automobile can be quite an expensive investment – one that may be vulnerable to circumstances beyond your control, such as theft or weather-related events, which can result in potential losses.


If you want to fully protect your vehicle, you should consider coverage. However, if your vehicle is stolen or damaged by an object or another vehicle in an accident, comprehensive coverage can protect your vehicle from physical damage.

Rental Protection / Loss of Utilization.

Risk Factor……

You may have the opportunity to rent a vehicle without any daily responsibilities and get coverage for any loss incurred when your vehicle is being replaced or repaired, especially during an extended period of time, which can be quite costly.


You have the option to add an inexpensive option of loss/coverage rental to your auto insurance policy. If your vehicle is ever in an accident, you can pay to rent a temporary replacement vehicle, either private or public transportation, at the cost of the daily limits of coverage available in a variety of options.

Auto Insurance 101

Ensure that you address the distinct dangers you encounter with car insurance.

  • Click on the areas of interest.
  • Uncover your vulnerabilities.
  • Obtain the appropriate insurance coverage.
  • Report a Claim

    Policy Change

    Request Certificate

    Auto ID Card

    Pay Bill

    Policy Review

    Contact Trifecta Insurance Services

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