Kentucky Employers’ Mutual Insurance (KEMI) is the leading provider of workers’ compensation insurance in Kentucky, providing coverage to more than 20,000 policyholders in all 120 counties of the state.

KEMI is a mutual insurance company owned by its policyholders. We are financed entirely by premium dollars and investment income. All workers’ compensation insurance companies in Kentucky, including KEMI, are regulated by the Department of Insurance and the Department of Workers’ Claims.

KEMI employees provide exceptional underwriting, safety education and claims services to our policyholders. These principles, combined with our competitive pricing, responsible financial management and focus on innovation, make KEMI the provider of choice for Kentucky businesses. As a stable and competitive source of workers’ compensation insurance, KEMI contributes to Kentucky’s economic development efforts.

KEMI has maintained an “Excellent” rating from A.M. Best since 2001.


KEMI exists to protect Kentucky businesses, care for injured workers, and promote workplace safety.


KEMI’s vision is to be the carrier of choice for Kentucky.


We act with INTEGRITY by doing the right thing.
We lead with TRANSPARENCY in how we conduct and manage our business.
We demonstrate FAIRNESS in how we conduct business.
We exhibit RESPECT and COMPASSION towards others.
We believe in, care for, and serve the COMMUNITY in which we work and thrive.