Kentucky General Contractor businesses pay $132–$528/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Louisville | $145–$581/mo | Compare → |
| Lexington | $139–$554/mo | Compare → |
| Bowling Green | $125–$502/mo | Compare → |
| Owensboro | $121–$486/mo | Compare → |
| Covington | $129–$517/mo | Compare → |
| Jefferson County | $145–$581/mo | Compare → |
| Fayette County | $139–$554/mo | Compare → |
| Warren County | $125–$502/mo | Compare → |
| Kenton County | $129–$517/mo | Compare → |
| Daviess County | $121–$486/mo | Compare → |
| Boone County | $132–$528/mo | Compare → |
| Hardin County | $121–$486/mo | Compare → |
| Madison County | $125–$502/mo | Compare → |
| Campbell County | $129–$517/mo | Compare → |
| Bullitt County | $125–$502/mo | Compare → |
General Contractor businesses in Kentucky typically pay $132–$528/month for workers' compensation insurance. Rates vary by city, revenue, employee count, and claims history.
Yes — Kentucky requires workers' compensation for most employers with at least one employee. General Contractor businesses that skip coverage face stop-work orders and personal liability.
Workers' Compensation Insurance covers employee medical bills, lost wages, and employer liability for workplace injuries. For General Contractor businesses, key covered scenarios include: Third-party property damage on a jobsite; Worker injury from fall or equipment; Subcontractor liability dispute.
Top exposures: (1) Third-party property damage on a jobsite, (2) Worker injury from fall or equipment, (3) Subcontractor liability dispute, (4) Tools and equipment theft.
Top carriers in Kentucky for Construction & Trades businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most General Contractor policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Kentucky cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.