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 Nightclubs

Get a Free Quote
Tech Services

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
Legal Services

Lawyers & Attorneys at Law, Court Reporters, Notaries and Transcription

Get a Free Quote
Personal Services

Hair Salons, Barber Shops, Interior Design Studios, Photography/Photofinishing, Nail Salons, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

Get a Free Quote
Clothing Retail

Bridal Stores, Clothing Stores, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

Get 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 Games

Get a Free Quote
Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

Get a Free Quote
Construction Services

Architects & Drafting, Engineering, Surveyors (we do not cover contractors or trucking companies)

Get a Free Quote
Financial Services

Accounting, Auditors, Bookkeeping, Financial Advisors & Trust Companies,Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title and Title Insurance

Get a Free Quote
Scientific Services

Scientific, Technical, & Environmental Consulting

Get 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 Stores

Get a Free Quote
Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

Get 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.

Kentucky Statistics*

*2017 business stats provided by the Bureau of Labor Statistics

696,183

number of Kentucky residents employed by small businesses


22,974

number of workplace injuries


$6 billion

value of gold at Fort Knox


144

consecutive years the Kentucky Derby has run


625,000

attendance of Thunder Over Louisville, the world’s largest firework show


kentucky workers' compensation

Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that. In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., an industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.