AmeriSure in Kentucky
AmeriSure writes workers compensation insurance in Kentucky, with A AM Best rating and a $1,500 minimum premium. Kentucky carriers operate under NCCI rate filings, with a max weekly benefit of $1,231 and a statute of limitations of 2 years. Verified 2026-05-09.
AmeriSure in Kentucky
Mid-market specialist with strong loss-control services. The carrier's industry focus is manufacturing, construction, transportation, and the AM Best rating is A with a Stable outlook. Quotes go through licensed agents or the carrier underwriting team. Pay-as-you-go billing is available, which reconciles premium each pay period instead of at the annual audit. Self-service audit is available, employers can upload payroll records through a portal instead of waiting for an auditor visit.
Kentucky workers comp rules that apply to every carrier
Kentucky workers comp benefits are set by statute, not by the carrier. The maximum weekly indemnity benefit is $1,231 at 66.67% of the average weekly wage. The statute of limitations to file a claim is 2 years from the date of injury. Coverage threshold: Employers with one or more employees are required to carry workers' compensation insurance. On 1099 contractors: Kentucky uses common law factors to determine if a worker is an employee or independent contractor; misclassification can lead to penalties.
How to get a AmeriSure quote in Kentucky
Have your FEIN, NCCI class code (or job description if you do not know the code yet), estimated annual payroll by class code, three years of loss runs from prior carriers, your published EMR (experience modifier) if you have one, and certificates of insurance for any subcontractors. AmeriSure can quote faster with complete information; missing payroll detail or loss runs typically delays underwriting by 5 to 10 business days.
Related
FAQs
Does AmeriSure write workers comp in Kentucky?
Yes. AmeriSure writes workers compensation in 24 states (mostly midwest + south), including Kentucky. AM Best rates the carrier A (Stable outlook), and the minimum premium is $1,500. Quotes go through agents or direct underwriting.
What kind of Kentucky businesses does AmeriSure target?
AmeriSure focuses on manufacturing, construction, transportation. Mid-market specialist with strong loss-control services.
What is the max weekly workers comp benefit in Kentucky on a AmeriSure policy?
Statutory benefits are set by state law, not by the carrier. Kentucky caps weekly indemnity at $1,231 (effective 2025-01-01), calculated as 66.67% of the average weekly wage. AmeriSure pays the same statutory benefit as any other Kentucky carrier.
How does AmeriSure handle 1099 contractors in Kentucky?
Kentucky uses common law factors to determine if a worker is an employee or independent contractor; misclassification can lead to penalties. AmeriSure audits 1099 status against the same standard at policy audit; missing certificates of insurance for subcontractors typically lead to the sub payroll being added to the rated base.
Does AmeriSure offer pay-as-you-go workers comp in Kentucky?
Yes. AmeriSure offers pay-as-you-go workers comp, where premium is calculated each pay period based on actual payroll instead of estimated annual payroll. Pay-as-you-go reduces audit surprises and is available in Kentucky through AmeriSure.