Kentucky workers' compensation rates continue to decrease in 2024.

In Kentucky, rates for workers' compensation insurance rate have been stable. It appears that even lower rates are expected for 2024. On average, rates are about 33% lower than the average rates for the rest of the country.

Kentucky is an NCCI state like most other states. This means that NCCI manages employers' experience modifiers and collects all data for the state including claims, class codes, premiums, and payroll. They analyze this data and make annual recommendations to carriers and to the Kentucky Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year.

Workers' compensation rates will vary for the same class codes in Kentucky because insurance companies can apply policy credits and debits up to 25% to adjust their filed rates. More discounts may also be added to a policy depending on the size of payroll and overall claims experience.

Don't pay too much for your workers' comp coverage in Kentucky. Our agents know how to negotiate the lowest rates for your workers' comp coverage. Find out how our knowledegeable agents, expert advice and more choices lead to the best workers' comp rates.

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Workers Comp Rates are an Art & Science

What influences my workers comp insurance cost?

Your State & Class Codes

Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.

Your Claims or Losses

Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.

Prior Experience & Coverage

Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.

Policy Credits and Debits

Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.

Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.

Kentucky Rates for Select Work Comp Class Codes

Rates for State Class Codes. Select Codes Listed:

The workers' compensation rates listed below for Kentucky represent the lowest and highest insurance rates we've found for 2023. 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 workers' comp policies. We offer Pay As You Go work comp 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.

Class Code & Description 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 prior workers' compensation losses. The Kentucky Employers' Mutual Insurance Authority is the State Fund for the state.

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 helps employers find guaranteed state fund workers' comp in KY. If we can't find more affordable coverage with a private insurance company, we can help you buy a state fund policy.

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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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