Get a Quote

Kentucky Workers' Compensation Insurance

Learn everything you need to know about worker's compensation insurance in Kentucky.

Need coverage now? Low rates & same-day quotes available. Select your industry to get started.

Get My Quote

Lightning Fast Quotes

We’re available when you are – online and on your schedule. In less than 5 minutes, you could be on your way to a work comp quote.


Easy Process

Our proprietary online quoting tool makes it easy. Just answer a few simple questions about your business.


Affordable Rates

As an independent agency, we can shop around our network of carriers, and deliver the best quote to you.


Top Insurance Carriers

Every policy backed by leading insurance carriers known for their financial strength and customer service. All our carriers have earned a rating of A or higher by A.M. Best.


Trusted by Thousands

Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need to stay in compliance and protect their employees.


Made for You

It's work comp, simplified for small business. Our online platform allows top national carriers to serve all businesses – even those with less than 10 employees.

Small Business Work Comp Requirements in Kentucky

Most Kentucky small businesses are required to carry workers’ compensation insurance.

Employers are responsible for maintaining a safe workplace and training employees on safety procedures. But when accidents happen, workers’ compensation helps navigate these situations.

A workers’ compensation policy covers employees that are injured on the job, while protecting the employer by limiting their liability. Most employers must carry it for their employees, whether full-time or part-time.

Any employees working in Kentucky must be covered by a workers’ compensation policy. State law has no exceptions for family members, temporary or part-time employees.

Factors That Impact Coverage

  • Sole proprietors: Excluded from coverage but have the option to include themselves.
  • Independent contractors: Excluded from coverage. Employee or independent contractor? 10 ways to tell >>
  • Corporate officers: Included in coverage but may exempt themselves from coverage by filing an Employee's Written Notice of Rejection.
  • Partners or members of an LLC: Exempt from coverage under certain circumstances.
  • Out-of-state employers: If employees are performing any work in the state, employers are required to provide Kentucky coverage.

Coverage and Rates in Kentucky

A small business workers’ comp premium can range from a few hundred dollars to a few thousand dollars, depending on four main factors:

  • Class code, or industry.
  • Location.
  • Payroll.
  • Experience (years in business and past history of claims).

Kentucky recently passed reforms to overhaul its workers’ compensation system, the most significant changes in decades. Aimed at cutting costs, reforms include a limit on the number of years partially disabled workers can receive benefits, and preventing workers’ compensation cases from being reopened several years after a claim. Similar to many other state work comp systems across the country, the new legislation also takes steps to address the opioid crisis.

Workers' compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>

Kentucky Work Comp Resources

How to Buy Small Business Workers’ Compensation Insurance


1. Request Coverage

We've made it easy. Answer a few simple questions about your business, employees and payroll. 


2. Review Your Quote 

Receive an online quote from one of our top-rated carriers. all rated A or higher by A.M. Best.


3. Purchase Your Policy

Some policies can be purchased online that same day — for near-instant coverage. 

Kentucky has a private market, which means that employers can purchase workers' compensation insurance from any insurance carrier or agency that is licensed to write in that state. WorkCompOne can write workers' compensation policies in any U.S. state except those that practice state-run workers' compensation (Ohio, Washington, North Dakota and Wyoming). 

Kentucky also has a competitive state fund. Kentucky Employers’ Mutual Insurance (KEMI) is independently run, and provides a market of last resort for employers that can’t find coverage elsewhere.


Get a Quote Today

Save Up to 20% on Your Work Comp Policy!

Get a Quote

Related Resources

workers comp insurance cost
How Much Does Workers' Compensation Insurance Cost?

Premiums vary based on business size, location, industry and claims history. Find out the average small business work comp premium and how much you might pay.

Learn More

small business workers compensation insurance
Small Business Owner Guide to Workers' Compensation

Workers’ compensation law can be confusing and complicated. This guide outlines what you need to know to buy work comp insurance.

Learn More

work comp cost calculator
Workers' Compensation Insurance Cost Calculator

How much for a small business policy? Read on for a step-by-step explanation, along with other factors at play in your final workers’ compensation quote.

Learn More

More Small Business Advice