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Category Archives: News

Introducing the New KEMI.com

KEMI is excited to announce that our new website is live! The new site features a new application process, faster performance, and many other enhancements to improve your KEMI.com experience!

KEMI’s top priority with this redesign was to improve the overall user experience, starting with the design and navigation when you first arrive at KEMI.com. All static content was revised and refreshed, utilizing a responsive design to significantly improve browser and device compatibility when you visit the site.

Once you log in, your role (agent or policyholder) and administrative status will determine which features are available to you on the new site. Specifically, here are some ways the website will be improving for you:

Agent Enhancements

  • Submitting an application for coverage with KEMI has never been easier! For starters, you will now have the ability to upload an ACORD form that will populate the online application and save you time. The manual entry process has also been upgraded to make it easier to enter and upload documentation.
  • The new site allows same day straight-through processing for applications that meet KEMI’s requirements with payment.
  • Have an agent out of the office? No problem! You may now view all quotes submitted from your agency, regardless of administrator status.
  • Agencies may now have multiple administrators. Agency administrators can easily add and remove users, promote or demote administrators, and update contact information for other users within your agency.
  • Your agency’s book of business with KEMI is now front and center on your home page when you first login, making it easier to select and take action on a policy.

Policyholder Enhancements

  • As a policyholder, you may now register as a non-administrator user and immediately have access to select features, including: Obtain a Certificate of Coverage, Order Coverage Posters, Make a Payment (this feature is also available without logging in), and Report an Injury.
  • If you are a policyholder administrator, you will have access to all policy and claim features, including the ability to View Policy Details, Generate Loss Runs, Manage Alerts, and access the Claims Detail Dashboard. Administrators may also view all submitted injury reports for your business.
  • All policyholder users have access to the new Billing History dashboard for your business, making it easy to view monthly charges, payments applied, and the running balance.
  • Policyholders may now have multiple administrators. Policyholder administrators can easily add and remove users, promote or demote administrators, and update users’ contact information for other users within your business.

Please note that the new site will be compatible with Chrome, Edge, Firefox, or Safari. You may access the new KEMI.com on other browsers, but some features may not be available.

KEMI Announces Destiny Award Winners for 2021

Kentucky Employers’ Mutual Insurance (KEMI) is recognizing 31 Kentucky organizations for their commitment to workplace safety by presenting each of them with the 2021 KEMI Destiny Award.

The Destiny Awards are presented annually by KEMI to policyholders that best exemplify KEMI’s motto, “Control your own destiny.” The awards symbolize what can be accomplished when organizations work together to improve workplace safety. Policyholders who earn the KEMI Destiny Award effectively demonstrate to KEMI their ability to manage a formal safety program, provide on-site training and regular safety meetings for employees, and display an ongoing commitment to safety from all levels throughout their organizations.

The following policyholders were selected after meeting a stringent set of criteria set forth by KEMI:

  • Asbury University
  • Asbury Theological Seminary
  • Barren County Board of Education
  • Big Rivers Electric Corporation
  • Brandenburg Telephone Company
  • Churchill McGee
  • City of Ashland
  • City of Central City
  • Clark Energy Propane Plus
  • Corbin Independent Schools
  • Eastern Kentucky University
  • Elizabethtown Board of Education
  • Erlanger Elsmere Board of Education
  • Executive Transportation
  • Frankfort Plant Board
  • Graf Brothers Flooring
  • Hibbs Electromechanical
  • Independence Fire District
  • Industrial Field Maintenance
  • Kentucky State University
  • KI USA Corporation
  • Mercer County School District
  • Metcalfe County Board of Education
  • Northern Kentucky Water District
  • RAJ Transport
  • Russell County Hospital
  • The Corken Steel Products Company
  • Union County Board of Education
  • Union Fire Protection District
  • Warren County Board of Education
  • Western Crane Service

“We are honored to present the 2021 Destiny Award to these outstanding organizations,” said Jon Stewart, President & CEO of KEMI. “Earning the KEMI Destiny Award requires focus, teamwork, and a relentless pursuit of excellence in safety at all levels. These policyholders understand the importance of maintaining a close partnership with KEMI to control their workers’ compensation costs, but more importantly, they demonstrate a steadfast commitment to ensuring their employees make it home safely at the end of each workday.”

Media Contact:
Ryan Worthen
KEMI Communications

Posted November 29, 2021

Treatment of Contract Labor and Subcontractors

The Kentucky Workers’ Compensation Act requires an employer to provide coverage to employees, including employees of any uninsured subcontractor hired. KEMI will collect premium from the policyholder for any employee of an uninsured subcontractor. If the subcontractors have their own workers’ compensation insurance, you must provide KEMI with a valid Certificate of Insurance for the period that work was performed. A KEMI auditor may then make the determination not to charge premium for the insured subcontractors.
Revised Independent Contractor Review Process – Effective January 1, 2022
As stated above, KEMI will collect premium from the policyholder for uninsured contract labor. If a policyholder wishes to consider any portion of their contract labor as an independent contractor(s), the following information is required to assist in the determination of an employment relationship or independent contractor status:
  1. Signed copy of contract detailing independent contractor relationship or copy of bid/proposal for jobs completed by contractor.
  2. All invoices for material and labor used during the policy period between insured and the contractor.
  3. Valid General Liability certificate of insurance (covering at least 6 months of policy period of insured).
  4. Signed affidavit regarding employees, contract labor, casual labor, or subcontractors used for any of the work performed for the insured.
       – Independent Contractor Affidavit | Independent Contractor Affidavit (Spanish)

To be excluded from coverage, all information above must be received during the premium audit process and must disprove an employee relationship.

KEMI reserves the right to charge for labor on a contractor, despite having all required information, based on additional information received during the policy period or at final audit.

Please note that KEMI will no longer utilize the Independent Contractor Questionnaire (ICQ) for new or renewal policies.

If you have questions about this change, please feel free to contact us.

KEMI Announces $8 Million Policyholder Dividend

The dividend follows an $8.1 million dividend paid in November 2020

KEMI, Kentucky’s leading workers’ compensation insurance provider, is issuing a dividend of $8.2 million to eligible policyholders. The dividend is a result of proactive management of claims by KEMI and its policyholders.

“Kentucky businesses have shown great resilience following the devastating effects of the global pandemic, and we believe this dividend will further accelerate the economic recovery for our policyholders,” said Jon Stewart, president and chief executive officer of KEMI.

Over 13,500 policyholders will receive a dividend payment from KEMI, and the average check per policyholder is $600. To qualify, policyholders must have a current active policy with KEMI and a loss ratio of less than or equal to 65% for the 2018 policy year. Dividend checks will be printed and mailed by KEMI starting on August 4, 2021.

In November 2020, KEMI issued a dividend of $8.1 million and lowered overall rates by 6.4% which resulted in substantial savings for our policyholders. KEMI issued a refund of $6.75 million to the Kentucky School Board Insurance Trust (KSBIT) Workers’ Compensation Fund, bringing the total returned to those schools over the past two years to over $16 million.

KEMI also took over the Kentucky Coal Workers’ Pneumoconiosis Fund in 2017. Further demonstrating our commitment to proactively managing workers’ compensation claims and supporting Kentucky businesses, KEMI anticipates returning an estimated $20 million of excess funds to eligible coal operators. Refund checks will go out by the end of August.

Media Contact:
Ryan Worthen
KEMI Communications