Can I buy from Kentucky Employers' Mutual Insurance (KEMI)?

Yes. Kentucky Employers' Mutual Insurance (KEMI) writes workers' comp in Kentucky, alongside other carriers.

Is Worklio Insurance licensed in Kentucky?

Worklio Insurance Services LLC's producer is licensed in Kentucky, and the agency license there has been applied for.

COVERAGE / WORKERS' COMP / STATES / KENTUCKY

WORKERS' COMP · KENTUCKY

Workers' comp in Kentucky.

Kentucky requires workers' comp from the first employee. Class codes follow NCCI's manual, with Kentucky's exceptions. You buy coverage from carriers, including Kentucky Employers' Mutual Insurance (KEMI).

REQUIRED: From the first employee
RATING BUREAU: NCCI
CLASS CODES: NCCI codes
BUY FROM: Carriers, including Kentucky Employers' Mutual Insurance (KEMI)

WHO MUST CARRY IT

Required from the first employee.

The rule

Kentucky requires workers' comp from the first employee.

Source: Kentucky Department of Workers' Claims, Important information for Kentucky employers concerning workers compensation insurance, printed in Department of Revenue 42A003, Withholding Kentucky Income Tax: Instructions for Employers, revised March 2026 (PDF), page 10, checked October 5, 2026.

Coverage rules: Kentucky Department of Workers' Claims, Employer Responsibilities, read from an archived copy dated September 13, 2026.

CLASS CODES HERE

Class codes follow NCCI's manual, with Kentucky's exceptions.

Rating bureau

NCCI is Kentucky's rating organization.

NCCI (National Council on Compensation Insurance)

Class system

NCCI's codes, with Kentucky's exceptions.

Manual: NCCI Basic Manual for Workers Compensation and Employers Liability Insurance, with state exceptions (subscription)

Codes on our pages

Not confirmed for Kentucky: NCCI states use NCCI's codes with their own exceptions. An advisor confirms your class codes.

All class codes, by industry

List: NCCI State Map: NCCI, independent bureau and monopolistic states, read from an archived copy dated September 29, 2026; not confirmed for the codes on our pages.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Your rate comes from carriers that actively write the class.

Payroll in this class

CLASS CODECodes on our pages; not confirmed for Kentucky. An advisor confirms your class codes.

PREMIUM PAYROLL IN THIS CLASS, PER YEARGross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.

EMPLOYEES IN THIS CLASSFor the cost per employee.

PAY FREQUENCY

Your rating

YOUR RATE PER $100 OF PREMIUM PAYROLLFrom your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.

EXPERIENCE MODCompares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.

SCHEDULE RATING

SCHEDULE CREDIT OR DEBIT, %0 if your quote shows none.

EXPENSE CONSTANT, PER YEARIf your quote shows one.

ESTIMATED ANNUAL PREMIUM · THIS CLASS

Enter your rate

Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

COMMON QUESTIONS

Do I need workers' comp in Kentucky?: Yes. Kentucky requires workers' comp from the first employee.
Who sets class codes in Kentucky?: NCCI, as Kentucky's rating organization. Class codes follow NCCI's manual, with Kentucky's exceptions. An advisor confirms your class codes.
Can I buy from Kentucky Employers' Mutual Insurance (KEMI)?: Yes. Kentucky Employers' Mutual Insurance (KEMI) writes workers' comp in Kentucky, alongside other carriers.
Is Worklio Insurance licensed in Kentucky?: Worklio Insurance Services LLC's producer is licensed in Kentucky, and the agency license there has been applied for. See insurance licenses

SOURCES

Kentucky Department of Workers' Claims, Important information for Kentucky employers concerning workers compensation insurance, printed in Department of Revenue 42A003, Withholding Kentucky Income Tax: Instructions for Employers, revised March 2026 (PDF), page 10Who must carry it, checked October 5, 2026.
NCCI State Map: NCCI, independent bureau and monopolistic statesRating bureau, class system, class codes (not confirmed), read from an archived copy dated September 29, 2026.
Kentucky Department of Workers' Claims, Employer ResponsibilitiesCoverage rules, read from an archived copy dated September 13, 2026.

Figures as of November 18, 2025.

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

MORE ON WORKERS' COMP

ALL STATESWorkers' comp by stateWho must carry it, who sets class codes and where to buy, in each state.ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.COVERAGEWorkers' compPay-as-you-go premiums billed with each payroll WORKLIO HCMPayroll taxes in KentuckyEmployer payroll tax rates, on Worklio HCM.

See your rates before your next renewal.

Start a quote Calculate savings