KEMI made a promise to “make workers’ comp work.”

We fulfill that promise by providing and sustaining financial stability in the ever-changing world of workers’ compensation insurance. We maintain strong claims reserves as a commitment to ensure benefits for claimants now and in the future. We deliver outstanding service and competitive pricing. We also educate Kentucky businesses about workplace safety.

Click the links below to learn more about how we’re fulfilling our promise.

  • Evaluating an insurance company’s financial strength and stability is one of the most important factors when selecting an insurance provider.
  • A.M. Best ranks KEMI A- “Excellent” for balance sheet strength, operating performance, and business profile.
  • Long-term financial stability means peace of mind for policyholders and injured workers alike. View financial rating details here.
  • For 25+ years, KEMI has been protecting employers while supporting workers through recovery and downtime so they can return to their jobs.
  • Kentucky employers and workers have the assurance their provider is familiar with local industries and potential issues that could impact coverage or the claims process.
  • Experienced policy and claims reps work with policyholders and claimants to navigate through the complexities of workers’ comp for the best possible outcomes.
  • KEMI writes coverage for all classifications and industries throughout Kentucky.
  • The unique needs of each employer are quickly assessed by knowledgeable underwriters to provide workers’ compensation coverage for a competitive rate.
  • A wide range of risk acceptance means coverage can usually be offered when other carriers say no – including new businesses!
  • Flexible payment options are also available to help policyholders better manage business costs.
  • Build a robust safety program with assistance from KEMI.
  • Safety training and inspections are part of the KEMI package to promote workplace safety, reduce incidents, and lower insurance costs.
  • Employers can count on working shoulder-to-shoulder with an on-site team of safety professionals throughout the year to help keep workers safe.
  • An extensive library of free safety resources is available at
  • Online dashboards and other self-service options make managing claims and policies more accessible and convenient.
  • Claims reporting is available 24/7/365 for round-the-clock assistance when incidents occur.
  • Resources for enhancing workplace safety are available for free through a user-friendly website.