Workers Comp

Workers’ compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.
Construction Workers Looking at RoofMurphy Insurance can help your business find complete solutions to your unique workers compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers, and overall savings that you’ll see on the bottom line.

Coverage for office workers using their own vehicles on company business is often needed as well. If you have employees, it is critical that you consider workers comp coverage.

What You Need to Know

Is my business required to carry Kentucky workers compensation insurance?

Yes, even if you have only one part-time employee, you are required to carry Kentucky workers compensation coverage.

The state also requires employers to post a Workers Compensation Notice in clear view their workplace which provides the name of the insurance carrier, policy number, and instructions on what to do if an employee becomes injured.

Who is exempt from Kentucky workers compensation insurance?

Employees who are exempt from Kentucky workers compensation coverage consist of farm workers or workers considered domestic servants in a residence with no more than two full-time employees.   Also exempt are residential maintenance/repair workers on a job for less than twenty consecutive days.

Federal law covered employees including railroad, maritime, or members of religious sects are considered exempt.

Business owners also do not require insurance, but may still elect to purchase their own coverage.

Corporate officers of a business are considered employees and therefore covered.

*All coal mine operators are required to carry the additional mandatory black lung endorsement.

What about Kentucky workers compensation coverage for independent contractors?

An independent contractor does not receive workers compensation benefits unless they in fact purchase a policy for themselves.

Independent contractors are usually considered skilled tradesman who work on their own without supervision.

Whether a worker is an employee or an independent contractor is based on the following:

  • Nature of the work provided as it relates to the business of the would-be employer.
  • Amount of control of exercised over the detail of the work.
  • Professional skill level of the worker and the intentions of those involved.

To find out more about Kentucky workers comp insurance and other business insurance products and services, Contact us TODAY.

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