Workers Compensation Insurance in Pulaski County, KY — Protecting Your Business and Employees Across Kentucky
From small shops in Somerset to construction crews across Pulaski County and beyond, every employer in Kentucky needs a plan to protect their team — and their business — when workplace injuries occur.
At Stewart & Tucker Insurance, we help you meet Kentucky’s workers compensation requirements with a policy tailored to your business size, job risks, and budget. Our goal is simple: keep your employees safe and your business compliant.
What Should Your Workers Compensation Policy Cover?
Kentucky law requires workers compensation coverage for most businesses with employees. The right policy should protect both your workers and your company. Key protections include:
Medical Expense Coverage
Covers hospital care, doctor visits, surgery, prescriptions, rehabilitation, and ongoing treatment related to workplace injuries.
Lost Wages / Disability Benefits
Replaces a portion of an employee’s income when they are unable to work due to a job-related injury or illness.
Permanent Disability Benefits
Supports employees who suffer long-term or permanent impairments caused by work-related incidents.
Employer Liability Coverage
Protects your business against lawsuits alleging negligence or unsafe working conditions.
Rehabilitation Services
Helps injured employees return to work with physical therapy, vocational training, or modified-duty programs.
Death Benefits
Provides financial support for the dependents of an employee who loses their life due to a workplace injury.
Add‑Ons That Matter
Depending on your industry, workforce, or business structure, these endorsements can further strengthen your protection:
Voluntary Compensation Coverage
Covers workers who may fall outside standard workers comp eligibility — such as volunteers or certain contractors.
Stop Gap Liability
For businesses with operations in states where workers comp is state-run (monopolistic states).
Employment Practices Liability (EPLI)
Covers claims such as wrongful termination, discrimination, harassment, or retaliation.
Why It Matters
Why Workers Comp Insurance Matters in Kentucky
Workers compensation isn’t just a legal requirement — it’s a cornerstone of responsible business ownership. A strong policy helps:
- Protect employees and their families during difficult times
- Prevent out-of-pocket expenses related to medical care or lost wages
- Reduce lawsuits and liability exposure for your company
- Show your team that their well-being comes first
Stewart & Tucker Insurance ensures your coverage is compliant, cost-effective, and fully aligned with your business operations.
What You Need to Know About Workers Comp in Kentucky
Who needs workers compensation insurance in Kentucky?
Nearly all businesses with one or more employees must carry workers comp coverage.
What happens if I don’t carry workers comp?
You may face steep fines, lawsuits, business closure, and personal liability for workplace injuries.
Is workers comp expensive for small businesses?
Premiums vary based on industry, payroll, and claims history — but we work hard to find affordable options for Kentucky employers.
Can business owners exclude themselves from coverage?
Often, yes — depending on entity type. We’ll review your options and help you decide what makes sense.
How often should I review my workers comp policy?
At least once a year — or anytime you hire employees, expand operations, or change job duties.
Get Workers Comp Insurance You Can Trust
Your employees rely on you — and you can rely on us. Whether you’re hiring your first employee or expanding across Kentucky, Stewart & Tucker Insurance will help you build the right workers compensation policy with personal guidance and ongoing support.