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Kentucky Employers' Mutual Insurance (KEMI) is a mutual insurance company providing workers' compensation insurance coverage to more than 23,000 businesses in Kentucky.

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Click here to view our 2014 Annual Report.
KEMI is rated A- (Excellent) by A.M. Best.


Update on KEMI Rates, Terrorism Coverage and Dividend

KEMI Rates See a Modest Increase
The KEMI board of directors has approved the company's first rate increase in eleven years. Overall, rates will increase by an average of 3.1%, however, 96% of our policies will see an increase of less than 1%. While the overall and non-coal changes are minimal, coal rates will increase by 13.6% as a result of unique challenges presented by federal and state occupational disease laws.

The rate filing was approved by the Kentucky Department of Insurance. Changes will apply to policy terms effective on and after January 1, 2016. Click here to view our 2016 rates.

KEMI Provides Additional Terrorism Coverage
Congress recently extended the federal Terrorism Risk Insurance Act (TRIA) for a third time. As a result of the changes from the recent extension, insurance carriers nationwide are faced with higher retention levels and larger co-pays in the event of losses resulting from certified acts of terrorism. Since the federal program began in 2002, KEMI has provided terrorism coverage free of charge to policyholders. However, with the recent changes, KEMI has purchased additional reinsurance specific to acts of terrorism to ensure adequate protection of our policyholders. As a result, policyholders will see a charge of 1% of their total payroll added to their policy premium. The new terrorism charge is about half the amount currently charged by other workers' compensation carriers and will be applied to policy terms effective on and after January 1, 2016.

KEMI Dividend Update
Each year KEMI performs a comprehensive review of our financial performance and our policyholders' loss experience. Based on this year's review, KEMI will not issue a dividend for the 2012 policy year.

Other Featured News:
» KEMI Earns "Excellent" Rating by A.M. Best for 2015

» Archived News


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Kentucky Employers' Mutual Insurance  250 W. Main St., Ste. 900 Lexington, KY 40507