Kentucky Workers' Compensation

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About Kentucky Workers' Compensation

Bourbon, bluegrass, and the Derby come together to form Kentucky’s unique identity. From Louisville to Lexington to Bowling Green or Owensboro, Kentucky is home to restaurants that prove the state’s pit masters have some serious chops, a booming bourbon industry that generates $8.5 billion in total economic output, and more than 347,000 small businesses.


With more than 50,000 workplace injuries and 70 fatalities across all industries in 2017, Kentucky’s small businesses need to make sure they’re protecting their employees with workers’ comp coverage.


The state law has no exceptions for family members, temporary, or part-time employees. However, some occupations are exempt from the mandatory workers’ comp coverage requirements, including farm workers, certain religious organizations, and individuals covered by the Federal Act.


Pie Insurance provides workers’ compensation insurance to Kentucky’s small businesses. 

We make workers’ comp as easy as pie.

Rated “Excellent” by Small Businesses

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Kentucky Workplace Injuries at a Glance


Total injuries that were in goods-producing and service-providing occupations


Total workplace fatalities who were men


Nonfatal workplace injuries requiring days away from work, job transfer, or restriction

Looking for additional Kentucky workers’ compensation resources?

The State of Kentucky provides many resources for small businesses:


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What’s new in workers’ comp?

February 10, 2020 in Workers' Comp 101

How much is workers’ comp insurance?

The cost of workers’ comp insurance varies depending on: your business location, your industry, the risk associated with your employees’…
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February 3, 2020 in Workers' Comp 101

The small business owner’s guide to workers’ compensation

About this guide The American workers’ compensation (comp) program was established more than a century ago. Intended as the grand…
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January 13, 2020 in Workers' Comp 101

Do independent contractors need workers’ comp insurance?

If you’re an independent contractor, you are probably not legally required to have workers’ compensation insurance coverage. However, there are…
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