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Workers Compensation Insurance KY

How We Help

If you’re a small business owner, you might have experienced the frustrations of dealing with KY workers’ comp. We help connect businesses with workers compensation insurance KY quotes.

Workers Comp Advice

Kentucky workers compensation is complex and can be costly if you don’t know how to buy it. Let our Bluegrass state experts help you get the coverage you need and avoid any KY state fines.


If your business qualifies you won’t have to deal with overprices insurers or clueless insurance agents. Just direct answers to your workers compensation insurance KY questions.

KY Work Comp Employer Information About Workers compensation insurance KY:

Workers’ Compensation is mandatory, employer-financed, no-fault insurance which ensures that employees disabled due to a work-related injury or disease will be compensated for lost wages and provides necessary medical treatment to return them to the workforce. Lexington and Louisville have some the largest employee populations. KY Workers Comp Coverage Requirements:

  • Employs at least one non-owner employee
  • Could be injured or develop a work-related disease
  • Injury can take place in or out of Kentucky

Failure to Carry Work Comp Insurance What happens if I don't buy workers compensation insurance?

Non-compliant employers are subject to a fine of $100 to $1,000 per employee. Each employee and each day of violation shall constitute a separate offense. Additionally, an employer may be held liable to an injured employee (or employee of an uninsured contractor or subcontractor) for income benefits including lost wages and medical expenses.

  • The Compliance Branch investigates employer compliance.
  • Fines up to $1,000 per employee daily for non-compliance.
  • An employer may be held liable to an injured employee.
Workers Comp Compliance

Frequently Asked Questions About Workers Compensation Insurance KY

Does my KY business need workers comp?

Employers with one or more workers are required to maintain Workers compensation insurance KY. There are no exceptions for family member employees, temporary, or part time employees.

How much does KY workers compensation cost?

Employers are assigned a classification for what type of work they do. The basic premium is based on its class code, the carrier’s KY workers compensation rates for the classification and annual payroll.

Who pays for workers compensation?

Kentucky specifically prohibits the employer from deducting workers compensation insurance KY premium from wages or salary of any employee entitled to benefits.

What does Kentucky workers compensation cover?

Coverage ensures medical and wage-loss benefits to employees who are injured during the course of their job. Employers who so provide coverage are protected against lawsuits filed by injured workers.

What happens if I do not have workers’ comp insurance?

An employer may be held liable to an injured employee (or employee of an uninsured contractor or subcontractor) for income benefits including lost wages and medical expenses.

Who determines if my business is not compliant?

The Compliance Branch plays an important role in the Kentucky Department of Workers’ Claims. The goal of the branch is to ensure that employers subject to the Workers’ Compensation Act comply with statutory requirements. The branch also encourages timely compliance through educational initiatives.

Workers Compensation Insurance KY
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