Fitness & Gym workers compensation in Kentucky
Fitness & Gym businesses in Kentucky pay a median rate of $0.270 per $100 of payroll, ranging from $0.270 to $0.270. The national median for Fitness & Gym is $0.430, so Kentucky sits 37% below the national average. 1 unique NCCI class codes are filed in this state for Fitness & Gym occupations. Verified 2026-05-09.
Top Fitness & Gym class codes in Kentucky
The class codes most likely to apply to a Fitness & Gym operation in Kentucky, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 9063 | YMCA, YWCA, gym | $0.270 | HIGH |
Kentucky compliance for Fitness & Gym employers
Coverage threshold
Employers with one or more employees are required to carry workers' compensation insurance.
1099 vs W-2 in Fitness & Gym
Kentucky uses common law factors to determine if a worker is an employee or independent contractor; misclassification can lead to penalties.
Owner exclusion
Allowed in Kentucky. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,231 at 66.67% of average weekly wage, effective 2025-01-01.
Statute of limitations
2 years from injury date in Kentucky.
Cross-cite: full Kentucky workers comp overview · Fitness & Gym cross-state rate comparison · Kentucky workers comp lawyer guide · Kentucky settlement chart
Estimate your Fitness & Gym premium in Kentucky
Pre-filled to Fitness & Gym and Kentucky. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
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Estimated annual premium for Fitness & Gym in Kentucky
$1,350to$1,350
Median: $1,350 · Rate range $0.270 to $0.270 per $100 payroll
Industry median across all states
$2,150
Cheapest states for Fitness & Gym
- Kentucky $0.270
- Virginia $0.271
- Maryland $0.280
Most expensive
- New Jersey $1.29
- Hawaii $0.730
- Alaska $0.660
Estimate based on 21 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Fitness & Gym businesses in Kentucky
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Step 1, Confirm coverage threshold
Employers with one or more employees are required to carry workers' compensation insurance. For Fitness & Gym operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Fitness & Gym businesses typically use codes like 9063. The wrong code can cost 4 to 10x more or get reclassified at audit. In Kentucky, the cheapest code on this list is 9063 at $0.270 and the most expensive is 9063 at $0.270.
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Step 3, Get a quote
Kentucky Employers Mutual Insurance (KEMI) is one option in Kentucky; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
Principal contractors are generally liable for the workers' compensation coverage of their subcontractors' employees if the subcontractor does not carry their own coverage. Fitness & Gym operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Fitness & Gym class allocation can shift if any worker spends more than 50% of time on a different code.
Fitness & Gym workers comp FAQs in Kentucky
What is the typical workers comp rate for Fitness & Gym in Kentucky?
Fitness & Gym employers in Kentucky pay a median rate of $0.270 per $100 of payroll, with rates ranging from $0.270 to $0.270 depending on the specific class code. The national median across all states for Fitness & Gym is $0.430, so Kentucky sits about 37% below the national average.
How many Fitness & Gym class codes are filed in Kentucky?
Kentucky has 1 unique NCCI class codes filed for Fitness & Gym occupations, drawn from 1 state-class code rate cells in our dataset. The most common codes include 9063 (YMCA, YWCA, gym).
Are Fitness & Gym 1099 contractors covered by workers comp in Kentucky?
Kentucky uses common law factors to determine if a worker is an employee or independent contractor; misclassification can lead to penalties.
What is the maximum weekly benefit for an injured Fitness & Gym worker in Kentucky?
Kentucky caps weekly workers comp benefits at $1,231 (effective 2025-01-01), calculated as 66.67% of the average weekly wage. Fitness & Gym workers are subject to the same statutory cap as workers in any other industry.
How long does a Fitness & Gym worker have to file a comp claim in Kentucky?
The statute of limitations in Kentucky is 2 years from the date of injury. Most claims also require notice to the employer within 30 days. Fitness & Gym workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Fitness & Gym business owner exclude themselves from comp coverage in Kentucky?
Yes, Kentucky allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Fitness & Gym owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.