Berea Office

302 Richmond Rd. PO Box 428
Berea, Kentucky 40403
Phone:  (859) 986-1056

Richmond Office

1060 Center Dr. PO Box 743
Richmond, Kentucky 40475
Phone:  (859) 626-5252

Insurance Score

Insurance Score (Glossary Word)

Insurance scores are based on consumer credit information which includes confidential information about loan payment history, the number of open credit accounts, bankruptcy and judgment filings. Insurance score measures how well a consumer manages their finances, not their financial assets; as such, income information is not included. Various studies have shown a high correlation between management of consumer finances and propensity to insurance loss. Many insurance companies use these scores in their underwriting and pricing determinations.


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