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Get your business covered by Zenployers in the Bluegrass State
Kentucky Workers' Compensation
Kentucky is known for its diverse geographical regions, and beautiful natural land features across that state. However, the Bluegrass State offers much more than just scenic views and it’s a great place for small businesses and corporate headquarters.
Kentucky’s small business industry has been going strong the past few years. The state is known for its main attractions such as Mammoth Cave, Red River Gorge, and many different museums and Aquariums. Major industries in Kentucky are agriculture, manufacturing, mining, healthcare, and food & beverage. Yum! Brands, Texas Roadhouse, Humana, Kindred Healthcare, and Papa John’s International are all headquartered in the state.
Small businesses in Kentucky employ more than 696,000 people. This accounts for 44% of the state’s private workforce, and with 50,600 workplace injuries and 83 fatalities across all industries in 2018 small businesses need to make sure they have workers’ compensation coverage.
Large businesses in Kentucky also self-insure and set aside funds that are dedicated to workers’ comp. Zenployers is a perfect match for this as well.
Some facts about Kentucky Workers' Compensation
WC Overview
Kentucky has a no-fault system workers’ compensations system. That means it doesn’t matter if an employee caused their own injury by being careless. If they are otherwise eligible, they are entitled to benefits. However, there are some exceptions.
WC Exceptions
  • Agriculture workers
  • Domestic employees
  • Independent contractors
  • Charitable workers
WC Coverage
  • Hospital visits
  • Doctors’ visits
  • Physical therapy
  • Prescriptions
WC Payouts
Your worker’s comp insurance must pay for your employee’s medical treatment from day one for any work-related injury. Work-related illnesses are also covered under workers’ compensation law. Illnesses or conditions caused by exposure to harmful conditions (such as mold) or products (such as caustic chemicals) are all covered. If your employees are injured in this way at work in Kentucky, they may be entitled to benefits under workers’ compensation law.
Fatal injuries were in the natural resources, construction, and maintenance fields
Fatal injuries were in the service providing industries
Fatal injuries were male
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