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.

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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?

November 12, 2020 in Workers' Comp 101

Why are workers’ comp laws called no-fault laws?

Workers’ compensation insurance is an important investment for small business owners. It provides cash benefits and medical care for workers…
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November 5, 2020 in COVID-19, Workers' Comp 101

Workers’ comp for remote employees

The COVID-19 pandemic has changed the way millions of people now work. Social distancing guidelines have required many companies to…
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November 2, 2020 in Workers' Comp 101

What is a compensable injury?

As a small business owner, you need to ensure your workers are safe and protected on the job. That’s why…
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