How does workers' comp work in Kentucky?

Even though Workers' Compensation Rates in Kentucky are 33 percent lower than the national average there are still many ways to get the most out of your coverage. Our agents are workers comp coverage Specialists. There are policy credits and premium discounts most business owners don't 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.

Workers' Comp Rules & Information for 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.

Kentucky 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.

Kentucky Insurance Directives Regarding Covid-19

No current legal directives on workers compensation insurance in Kentucky.

State Orders Regarding Insurance Claims Related to Coronavirus

An employee removed from work by a physician due to occupational exposure to COVID-19 is entitled to temporary total disability payments during the period of removal, even if the employer ultimately denies liability for the claim. To be considered “occupational,” there must be a causal connection between the conditions under which the work is performed and COVID-19, which can be seen to follow as a natural incident to the work as a result of the exposure occasioned by the nature of the employment. TTD payments made pursuant to this order shall be payable from the first day the employee is removed from work. It is presumed that the removal of the following workers from work by a physician is due to occupational exposure to COVID-19: 1) healthcare entity employees; 2) first responders (e.g., law enforcement, ems, fire department); 3) correctional officers; 4) military; 5) active national guard; 6) domestic violence shelter employee; 7) child advocacy workers; 8) rape crisis center staff; 9) postal workers; 10) Department for Community Based Services workers; 11) grocery workers; and 12) child care workers.

Mandatory law in effect from 04/09/2020 until further notice.

Specialized Programs for Select Industries

We work with our national insurance partners to develop targeted programs with easier underwriting requirements and lower rates. We offer a broad range of business class codes that help streamline the quote process so you get the lowest price for coverage.

Knowing the Kentucky workers comp requirements can help lower the cost of coverage.

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Pay As You Go Work Comp

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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.

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From ownership rules, class code reviews, to managing audits & claims, we've got your business covered.

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We leverage our experience and relationships to negotiate your lowest workers' comp rates.

More Options

No carrier quotes every class code. That's why we've built a diverse group of great insurance companies.

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is known as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In today's world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly known as Stop Gap Coverage.

Workers' Comp Covers KY Employers from Injury Related Expenses & Lawsuits
Employers liability insurance is included under a workers' comp policy in most states.
  • Employers liability coverage is not included in all monopolistic states.
  • All NCCI and most other states' coverage includes employers liability 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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