Kentucky Workers' Compensation Programs

Find Better Coverage With One of Our Select Workers' Comp Solutions.

Save money with workers' compensation programs targeted specifically for Kentucky business owners.

In Kentucky we offer workers' compensation insurance through more than a dozen providers. Most agencies only carry 3 or 4 providers. This advantage allows us to shop your policy to get better coverage at rock bottom prices. Through these partnerships with over a dozen providers we have designed several unique programs for many specific industries.

One specific program we offer is pay as you go workers compensation. This allows a business to pay their workers comp premiums monthly instead of estimating their payroll at the beginning of the year. Many business owners like this options because it frees up cash flow for other more immediate business needs. This is just one of the many ways we can help you save on your work comp coverage.

We have helped customers throughout Kentucky find the right coverage for their workers comp needs and have been doing so for more than a decade. Call today to speak with one of our experts 888-611-7467.

In most states, We generally target businesses where we have the best opportunity to provide the most savings. Often times, we've worked out special considerations for underwriting and/or pricing with some of our insurance partners. More policy discounts and credits may be applied.

Target Programs for KY Workers Compensation

Don't see your business or industry? Don't worry, we've still got you covered.

Kentucky Workers Comp
Pay As You Go

Improve Cash Flow- Pay As You Go

Our Pay As You Go workers' compensation insurance plans make it more affordable to buy workers' compensation insurance with little to no money required to start coverage. These plans also help reduce the risk of having a big audit bill at the end of the year because the premium you pay is based on your actual, real-time payroll.

We offer Pay As You Go workers comp from dozens of top-rated insurance companies. We can manage the reporting process directly, set your business up to report and pay the carriers, or work with your payroll provider to collect and pay your premium each pay period or monthly.

Buying Workers Comp Insurance in Kentucky

Who Needs Coverage in Kentucky?

All Kentucky Employers who employ one or more full or part time employees must carry Workers' Compensation Insurance. A few exceptions to this rule apply for volunteer ambulance, fire, police departments, Independent contractors and some agricultural employers.

Rates on Workers Compensation Insurance in Kentucky are very good. On average they are 18 percent better than the rest of the country. Even though rates are good in the state there is still a lot of competition amongst carriers on customer service, discounts and rebates. ALso many carriers offer all sorts of Kentucky workers comp specific programs including direct bill, agency bill, Pay As You Go workers comp, Payroll integrated workers compensation and deductible programs.

Affordable workmans comp for business owners.


We've got you covered. We write workers' compensation insurance for lots of business types not listed above. Chances are we have the right products and carriers to hep you buy affordable coverage.
  • More than 50 top insurance companies quoting workers comp insurance.
  • Targeted Programs for standard businesses and tough class codes.
  • Start your workers comp insurance quote online or call us at 888-611-7467.
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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