Kentucky Workers Comp Rates

Kentucky workers' compensation rates continue to increase in 2019.

In Kentucky, rates on Workers' Compensation Insurance are very good. As of 2018 they were 18 percent better than the rest of the country. Still there are many ways for your business to save on workers comp coverage. At Workers Compensation we have several different programs to help you get the most out of your coverage.

One popular program is Pay as You Go Workers Comp Coverage. This program allows business owners to pay for their premiums each month based on actual payroll instead of estimating what payroll might be at the beginning of the policy. This prevents businesses from over or underpaying and it frees up cash for other business expenses.

Call today to speak with one of our work comp experts at 888-611-7467 and find out about all the ways we can help you save on your workers' compensation coverage.

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KY Rates for Select Work Comp Class Codes

The workers' compensation rates listed below for Kentucky represent the lowest and highest insurance rates we've found effective 1/1/2019. Kentucky rates are set by the KY Department of Workers' Claims. Insurance companies may be able to offer policy discounts and premium credits up to 25% on a work comp policy. We offer Pay As You Go coverage in Kentucky. Not all employers will qualify for the lowest rates available or maximum policy credits. We shop your rates with numerous carriers to ensure you get the best deal available for your workers comp coverage.

Class Code Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $1.38 $1.38
0042 Landscaping Service $3.02 $3.02
0106 Tree Trimming- Pruning- Removal $5.68 $5.68
0917 Residential Cleaning Service- Housekeepers $2.34 $2.34
2121 Breweries- Craft Beers $0.65 $0.65
2143 Winery- Wine Makers $1.17 $1.17
2585 Carpet Cleaning $1.17 $1.17
2589 Dry Cleaning and Laundry Service $1.05 $1.05
3632 Machine Shop $1.39 $1.39
3724 Garage Door Installation $2.21 $2.21
3821 Salvage Yard- Automobile Recycling $2.84 $2.84
5022 Masonry Construction $4.25 $4.25
5102 Door and Window Installers $3.87 $3.87
5183 Plumbing Contractors $1.74 $1.74
5190 Electrical Work- Electrician $1.70 $1.70
5221 Concrete Work- Flat Work Cement $2.60 $2.60
5223 Pool Installation- Pool Maintenance $3.71 $3.71
5348 Ceramic, Tile and Stone Work $2.31 $2.31
5437 Trim- Finish Carpenters- Cabinets- Countertops $3.87 $3.87
5445 Drywall Contractors $3.42 $3.42
5474 Painting Contractor $3.68 $3.68
5478 Floor Installers- Wood-Carpet-Laminate $2.47 $2.47
5535 Metal Building Construction $4.67 $4.67
5537 HVAC- Heating and Cooling Service/Repair $2.21 $2.21
5537* Solar Energy Contractors- Installation $2.21 $2.21
5551 Roofing Contractors $11.52 $11.52
5606 Asphalt & Paving Work $0.58 $0.58
5645 Residential Construction- Home Builders- Remodelers- Siding $8.38 $8.38
6217 Excavation and Grading Work $4.29 $4.29
6400 Fence Installation & Repair $3.38 $3.38
7219 Trucking- Short Haul and Long Haul $3.54 $3.54
7225 Towing Company $2.42 $2.42
7230 Package and Parcel Delivery $5.39 $5.39
7370 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle $2.57 $2.57
7605 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle $1.59 $1.59
7720 Security Guards- Patrol Officers $1.36 $1.36
8006 Gas Stations- Convenient Stores $1.22 $1.22
8017 Retail Stores- Merchandise- Cannabis Dispensary $0.67 $0.67
8292 Warehousing and Storage Facility $1.57 $1.57
8380 Auto Service and Repair- Mechanic $1.65 $1.65
8393 Auto Body Repair $1.00 $1.03
8742 Sales Professional $0.20 $0.20
8810 Clerical- Office Employee $0.09 $0.09
8824 Retirement Living Centers- Congregate Communities $1.40 $1.40
8829 Nursing Homes and Assisted Living Facilities $1.28 $1.28
8831 Animal Shelters and Kennels- Veterinarian $0.67 $0.67
8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist $0.18 $0.18
8835 Home Healthcare Workers $1.08 $1.08
8842 Group Homes- Temporary Shelters- Disability Facility $1.73 $1.73
8864 Social Service Organizations- Counseling- Family Services $0.87 $0.87
8868 Religious Organization- Church- Temple $0.21 $0.21
8869 Child Care Center- Daycare Providers $0.70 $0.70
9012 Property Management- Leasing Agent $0.65 $0.65
9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney $1.57 $1.57
9015 Building Maintenance- Campgrounds- Camps- RV Parks $1.63 $1.63
9052 Hotels and Motels $1.05 $1.95
9060 Golf Courses and Country Clubs $0.87 $0.87
9063 Fitness Center- Health Clubs- YMCA Programs $0.46 $0.46
9082 Restaurants- Catering $0.69 $0.69
9083 Fast Food Restaurant- Concessions- Doughnut Shop $0.63 $0.63
9083* Mobile Food Truck- Food Cart- $0.63 $0.63
9084 Bars-Taverns-Nightclubs $0.82 $0.82
9102 Lawn Service and Maintenance $1.58 $1.58
9180 Shooting Range- Amusement Park $2.75 $2.75
9402 Septic Tank Cleaning- Portable Toilets $3.09 $3.09
9403 Refuse Collection- Garbage- Trash Service $4.36 $4.36
9516 Electrical Equipment Repair and Service $2.64 $2.64

Kentucky rates vary by workers compensation class codes and insurance company underwriting guidelines. Employers' who have an Experience Modification Factor (XMod) assigned to their business may be subject to additional credits or debits applied to their insurance rates based on prior premiums and any workers compensation losses. The Kentucky Employers' Mutual Insurance Authority is the State Fund for the state.Get a free quote today.

State Resources for Kentucky

Kentucky Department of Workers' Claims

657 Chamberlin Avenue
Frankfort, KY 40601

Kentucky Department Of Insurance

P.O. Box 517
Frankfort, Kentucky 40602-0517

Kentucky is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency can help employers find guaranteed state fund coverage in KY. If we can't find coverage with a private insurance provider we can help buy a state fund policy.

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