Cover your Kentucky business in a few clicks.
Simple process. Affordable price. 70+ industries & growing.
Kentucky Businesses We Cover with Workers' Comp Insurance
Food & Beverage
Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and NightclubsGet a Free Quote
Data Processing, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)Get a Free Quote
Lawyers & Attorneys at Law, Court Reporters, Notaries and TranscriptionGet a Free Quote
Hair Salons, Barber Shops, Interior Design Studios, Photography/Photofinishing, Nail Salons, Tanning Salons, Tattoo/Piercing, and Wedding/Event PlannersGet a Free Quote
Bridal Stores, Clothing Stores, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor ShopsGet a Free Quote
Personal Product Retail
Bike Stores, Camera/Photo Supplies & Repair, Cell Phones & Cell Phone Repair, Computer Stores, Musical Instruments & Supply Stores, Tobacco/Vaping, and Video GamesGet a Free Quote
Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and VeterinariansGet a Free Quote
Architects & Drafting, Engineering, Surveyors (we do not cover contractors or trucking companies)Get a Free Quote
Accounting, Auditors, Bookkeeping, Financial Advisors & Trust Companies,Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title and Title InsuranceGet a Free Quote
Scientific, Technical, & Environmental ConsultingGet a Free Quote
Office, Home, & Garden
Beauty Supplies, Bookstores, Cosmetics, Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Mailing/Packaging Stores, Model/Toy/Games Stores, Optical Goods Stores, and Perfume StoresGet a Free Quote
Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational TherapyGet a Free Quote
Workers' Compensation for Kentucky Businesses
Riders up! Kentucky small businesses are running for the roses!
The Bluegrass State residents have practically made pit mastering a sport. Known for their meaty deliciousness, Kentuckians prefer pork and are known for mutton. Spending long hours monitoring the perfect barbecue works up a thirst, contributing to the booming bourbon industry of 347,000 small businesses and $8.5 billion in annual revenue. Craft bourbon is king here!
Kentucky small businesses represent 99.3% of all Kentucky companies and 44.1% of all employees in their primary industries related to agriculture, manufacturing and mining. Manufacturing is a major sector, with exports ranging from aerospace, automobiles and parts, pharmaceuticals, and chemicals. The largest employers are related to health care, travel and retail, with tourism generating $15 billion in revenue and contributing to 195,000 jobs.
Pick up your new Corvette at the Bowling Green factory and museum, and head over to Cumberland to see the world’s only waterfall to consistently produce a moonbow. Not too far away, the entire town of Middlesboro sits inside a crater. In Louisville, wear your spring hats at the Kentucky Derby and the Louisville Slugger headquarters, and embark on your quest for the best mint julep.
Kentucky is known for several American staples, such as the birthplace of the cheeseburger, the first Kentucky Fried Chicken owned by the one and only Colonel Sanders, and the musical soundtrack of cake, “Happy Birthday to You.” Thank you, Kentucky!
Small business owners, Cerity has your back. No matter the size of the company, or whether the employees are family or work less than a 40-hour work week, any company employing one person is required to obtain workers’ compensation insurance. It protects you when your bluegrass music themed gift shop’s banjo tuner tightens a string just a tad too tight and it snaps his face, and when your pit master forgets his gloves opening the grill.
*2017 business stats provided by the Bureau of Labor Statistics
number of Kentucky residents employed by small businesses
number of workplace injuries
value of gold at Fort Knox
consecutive years the Kentucky Derby has run
attendance of Thunder Over Louisville, the world’s largest firework show
Explore commonly asked questions about business type, industry and state.
How is Workers' Compensation related to payroll? What do I do when I hire, give raises or fire employees?