If you own a business with employees in Kentucky, you are legally required to carry workers’ compensation insurance. At The Way Agency, we help local business owners in Mount Washington and Bullitt County stay compliant, protect employees, and safeguard their financial future with affordable, tailored workers’ comp coverage.

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We partner with more than 40 top-rated carriers, which means we can shop around to secure the best price and coverage for your specific industry. Whether you operate a contracting company, a retail store, or a professional office, we’ll find the right fit for your team.

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Why Workers’ Compensation Insurance Matters in Kentucky

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Workers’ comp isn’t just a legal requirement — it’s a crucial protection for both employers and employees:

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• Employee Protection – Covers medical expenses and wage replacement after a workplace injury or illness.
• Employer Protection – Reduces the risk of costly lawsuits related to workplace accidents.
• Compliance – Kentucky law requires most employers to carry workers’ comp coverage.

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Without proper coverage, businesses may face penalties, fines, or even closure.

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What Does Workers’ Comp Insurance Cover?

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A workers’ compensation insurance policy typically includes:

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• Medical Costs – Doctor visits, hospital care, surgery, prescriptions, and rehab.
• Lost Wages – Partial replacement of income while the employee recovers.
• Disability Benefits – Payments for temporary or permanent disabilities.
• Death Benefits – Financial support for families if a work-related accident is fatal.
• Employer Liability – Protection from lawsuits connected to workplace injuries.

Who Needs Workers’ Comp in Mount Washington?

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In Kentucky, nearly all employers with one or more employees must carry workers’ comp insurance. This includes:

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• Small Businesses – Even if you only have one part-time employee.
• Construction & Contractors – High-risk industries where injuries are more common.
• Retail & Restaurants – Covers slip-and-fall accidents and workplace injuries.
• Professional Offices – Protection against repetitive stress or unexpected accidents.
• Nonprofits – Paid employees are covered; volunteers are usually excluded.

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How Much Does Workers’ Compensation Insurance Cost?

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The cost of workers’ compensation insurance in Mount Washington depends on several factors:

• Payroll Size – Premiums are calculated as a percentage of payroll.
• Industry & Job Risk – Higher-risk jobs like construction or roofing cost more.
• Claims History – Fewer claims usually lead to lower premiums.
• Coverage Limits – Policies can be customized to fit your budget and protection needs.

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On average, small businesses in Kentucky pay between $0.75 and $2.50 per $100 of payroll.

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Why Choose The Way Agency for Workers’ Comp Coverage

• Local Expertise – We understand the needs of Mount Washington businesses.
• Carrier Choice – Access to 40+ insurers ensures competitive pricing.
• Personalized Service – We don’t just sell policies; we guide you step by step.
• Convenient Communication – Call, text, or visit us at our Mount Washington office.
• Trusted Since 2006 – A proven track record of helping businesses protect their teams.

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Frequently Asked Questions About Workers’ Compensation in Mount Washington, KY

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1. Is workers’ comp required in Kentucky?
   Yes. Almost all businesses with employees must carry workers’ comp coverage.
2. Does workers’ comp cover independent contractors?
   Generally, no. Contractors may need their own coverage.
3. What happens if I don’t carry workers’ comp?
   You may face fines, lawsuits, and possible closure of your business.
4. Can I self-insure in Kentucky?
   Some large businesses may qualify for self-insurance, but most choose standard policies.
5. How quickly can I get a quote?
   Most workers’ comp quotes can be completed within 24–48 hours.

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Get a Free Workers’ Compensation Insurance Quote

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If you’re looking for workers’ compensation insurance in Mount Washington, KY, let The Way Agency help you stay compliant and protect your employees.

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📞 Call/Text us: (502) 413-5335
📍 Visit us: 435 N Bardstown Rd, Suite 7, Mount Washington, KY 40047
💻 Request a free quote online

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Protect your employees. Protect your business. Partner with The Way Agency today.

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