Tom Spalding Insurance
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LOU was founded in 1998 by Tom Spalding and at the time, the company was named Tom Spalding Insurance Agency. Starting out, the agency only represented Allstate Insurance Company. We quickly became the #1 agency in the state of Kentucky for 8 consecutive years. We have several agents in our office that specialize in different areas of insurance. Tell us what you're looking for and we'll have an agent that specializes in that area get back with you.

We offer several different types of insurance so just search what you need and we'll be here to help you get going. Auto insurance is one of the most common of all insurances, and consequently, its importance is often overlooked in terms of making sure the. An entity which provides insurance is known as an insurer, insurance company, or insurance carrier.

A person or entity who buys insurance is known as an insured or policyholder. The action involves a contract. From an insured's standpoint, the result is usually the same: the insurer pays the loss and claims expenses.
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