Click here for more information on KEMI’s enhanced commissions for target class codes.

Base Commissions
Base commission payments on new and renewal policies will provide greater rewards to agents with quality accounts written by KEMI.

Policies written with Preferred rates:  12% Commission
Policies written with Standard rates: 10% Commission
Policies written with Standard rates and debits:    8% Commission
Policies written with Excess Rates: 8% Commission
Policies written with Coal Dust Exposure* 8% Commission
Policies with Other States Coverage 10% Commission

* Policies with the six coal classifications referenced below

Commission on coal policies with more than $2,000,000 in Written Premium may be paid at a percentage below the amounts referenced above and will be negotiated with the agency. 

Contingent Commissions
An agency’s book of business will be evaluated 30 months following each calendar year end. The evaluation will be based upon an agency’s premium volume and loss performance, subject to the following Contingent Commission Guidelines:

  • The loss ratio on the evaluation date must be 65% or below
  • Losses will be capped at $500,000 per claim
  • Loss ratios are calculated net of recoveries
  • Premium will include any audit or policy endorsements
  • Premium and losses from KEMI’s Other States Coverage program will be included
  • Premium will exclude any policies with uncollected amounts due or premium payments received as a result of collection activity. All associated losses will be included.
  • Premium and losses attributed to all policies with the following coal and occupational disease classes will be excluded from the calculation:

Class Code



Coal Mining Surface O.D.


Coal Mining Underground O.D.


Incidental O.D.


Coal Mining – Surface Traumatic


Coal Mining – Underground Traumatic


Coal Merchants

Contingent Commission Premium Range.

Premium Range

Contingent Commission

$400,000 – $1,000,000


$1,000,001 – $2,500,000


$2,500,001 – $5,000,000


$5,000,001 and Above


The following table details the contingent commission evaluation and payout period,

Policies in Effect

Evaluation Date

Payout Period



3rd Quarter 2023



3rd Quarter 2024

Reminder: Only KEMI can bind coverage. 
Agents do not have authority to bind coverage on behalf of KEMI.