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Purchasing Workers Comp Insurance in Kentucky

Kentucky State Coverage Requirements

    All Kentucky Employers are required to carry Workers' Compensation Insurance with only a few exceptions.

    Sole Proprietors and Partners are excluded from coverage, but can elect to be included.

    Corporate Officers are automatically included in coverage, but they may elect to be excluded.

    LLC Members are excluded from coverage, but qualified members may elect to be included. To be a qualified member one must participate in the decision making process and the profit and losses of the company.

2020 Payroll Limits & Owner Exclusion Requirments

    Sole Proprietors, Partners and LLC members who elect to be included for coverage must do so at a payroll of $44,200.

    Corporate Officers who are included in coverage must utilize a minimum payroll of $850 per week ($44,100 Annual) and a maximum payroll of $3,400 per week ($176,800 Annual).

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to one policy.

Workers' Compensation Insurance in Kentucky can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or State fund coverage, is available for employers who are unable to find coverage from a private company. can help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in Kentucky.

$O Deposit or Minimum Down

We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow Kentucky employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

Lower Monthly Payments

We've negotiated special terms with many of our insurance partners to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

More Options and More Quotes

With over 35 top rated insurance carriers to quote your work comp coverage, chances are we've got the best rates in the state. We can find the most complete coverage at the lowest rates around for most work comp class code in Kentucky.

Quote Kentucky Workers Compensation With Us

Kentucky Rates

In Kentucky, rates on Workers Comp Insurance are very good. They are 18 percent better than the national average as of 2018. Still there are many ways to save on your coverage. At Workers Compensation we have several different programs designed to help you get the most out of your work comp coverage.

Need Help With Kentucky Class Codes?

Insurance rates vary significantly between NCCI classification codes. Let our KY Workers Compensation Specialists help you determine your correct workers compensation class codes before you buy a policy. We'll help make sure your business is properly covered.

Faster Workers Comp Quotes

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

Shop Over 35 Insurance Carriers

We're a National Agency, and we have tons of carriers offering work comp in Kentucky. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.


Did you know that the cost of a workers comp policy in Kentucky can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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