KY Workers Comp Information

Find the latest news and information about Kentucky workers compensation insurance.

Even though Workers' Compensation Rates in Kentucky are 18 percent lower than the national average there are still many ways to get the most out of your coverage. Our agents work specifically providing work comp coverage. There are many deductions and discounts most business owners do not know about.

We also offer programs like pay as you go workers compensation. This option is to help businesses who have trouble anticipating their man hours throughout the year. Pay as You Go frees up cash flow and prevents businesses from under or over paying.

At Workers Compensation we specialize in Workers' Comp Insurance and we have experts standing by to help you with your coverage needs. Call today to speak with one of our experts at 888-611-7467 or you can start a quote online.

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About Workers Compensation in Kentucky

Kentucky Department of Workers' Claims

657 Chamberlin Avenue
Frankfort, KY 40601

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

Kentucky Employers's Mutual Insurance

Kentucky Employers’ Mutual Insurance (KEMI) was created in 1995 and is the largest provider of workers’ compensation insurance in Kentucky. It is the state provider and provides coverage to more than 23,000 policyholders in all 120 counties of the state. KEMI is a mutual insurance company owned by its policyholders. All workers’ compensation insurance companies in Kentucky, including KEMI, are regulated by the Department of Insurance and the Department of Workers’ Claims.

How does workers comp help my business?

Your business benefits by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee.

Kentuck Department of Workers' Claims (DWC)

The DWC is a state department committed to improving customer service and reducing costs to our customers in the Commonwealth of Kentucky. The Department of Workers' Claims is the agency primarily charged with the administration of the Kentucky program and has exclusive jurisdiction over workers' compensation claims.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Healthcare
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Work Comp Rates are good in the Commonwealth

18% cheaper than the national average

Because Kentucky has a strong assigned risk, The Kentucky Employers Mutual Insurance Authority, and lots of competition among the free market rates are continuing to be lower than the national average.

Still many business owners pay more for their work comp coverage than they should. Don't pay too much for your coverage.

Call one of our friendly agents today at 888-611-7467.

Let Workers Compensation help your business navigate workers comp insurance in Kentucky.


We take the time to make sure your business and employees are classified correctly and then we get to work finding the lowest rates available for your insurance coverage.
  • National workers comp Specialists
  • Licensed throughout the United States
  • Programs for standard and tough class codes
Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.
  • Pay As You Go insurance coverage
  • Easy billing and installment plans
  • We've helped over 35,000 business owners
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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