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Kentucky Workers Comp Info
State Exemption available? No
Kentucky requires workers compensation if you have at least 1 employee. If you purchase a policy, officers/owners of a corporation do count as employees- and can choose whether or not to coverage themselves. Subcontractors don’t count as employees AS LONG AS they meet some or all of the following:
- separate business entity
- have their own insurance
- can choose when to come to work
- provide their own tools/transportation.
If any of these items do not apply, the state may consider them to be employees for workers comp purposes regardless of whether you give them a 1099.
When calculating your Kentucky Workers Comp Quotes, keep in mind the following amounts if you choose to include any owners/officers in the coverage. Even if owners don’t draw a paycheck, these are the payroll amounts that will be counted for each owner who wants coverage.
-$40,000 for Sole Proprietors and Partners
-$39,000 Minimum and $161,200 Maximum for Officers