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KEMI is making workers' comp work.
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Kentucky Employers' Mutual Insurance (KEMI) is a mutual insurance company providing workers' compensation insurance coverage to more than 24,000 businesses in Kentucky.

» Why Choose KEMI?
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Click here to view our Annual Report.
KEMI is rated A- (Excellent) by A.M. Best.


Important Notice Regarding Coverage
for Kentucky School Boards

Agent of Record
New Business
The agency providing the first complete submission as noted below will be recognized as the Agent of Record.  The Agent of Record will receive the only quote from KEMI unless KEMI receives an Agent of Record letter signed by the school superintendent.

The incumbent agent will be recognized as the Agent of Record and will receive the only quote from KEMI unless KEMI receives an Agent of Record letter signed by the school superintendent.  

Complete Submissions
In order to be considered a complete submission, the following information must be received:

  • Fully completed Acord 130 application
  • Minimum of 5 years currently valued Loss Runs. “Currently valued” means loss runs are valued within 30 days of the date the application is submitted to KEMI
  • Last 3 completed payroll audits (if any of those terms were previously self-insured or insured by a group self-insurance fund in the last four years)

Net of Commission Requests
KEMI will not provide any quotes, renewal or new business, net of commission.  Please remember that KEMI does not have a contractual relationship with any agency, and therefore, agents do not have binding authority or the authority to provide a quote independent of KEMI.  Only KEMI has the authority to issue quotes and to bind coverage.  Any quote not produced by KEMI is invalid, will not be honored by KEMI and should be rescinded immediately.

Other Featured News:
» KEMI Ranked #2 Best Place to Work in Kentucky
» KEMI Employees Donate to Fourteen Charities
» KEMI Announces Destiny Award Winners for 2015
» KEMI Employees Appointed to National Committees
» Update on KEMI Rates, Terrorism Coverage and Dividend

» Archived News


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