Application for Split Coverage - Kentucky - Kentucky 2026

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  1. Click ‘Get Form’ to open the Application for Split Coverage in our editor.
  2. Begin by entering your employer's name and address in the designated fields. Ensure that you also provide the Federal Employer Identification Number (FEIN) accurately.
  3. In the section requesting details about the type of business and location, clearly specify the principal work force engaged in the business activities. This information is crucial for proper coverage assessment.
  4. Next, indicate the insurance carrier that will cover your primary workforce. If there is a separate workforce at another location, repeat this process by providing their details and corresponding insurance information.
  5. Complete any additional required fields, including dates and signatures. Make sure to have a representative of the employer sign and date the application.
  6. Finally, review all entered information for accuracy before submitting your application through our platform.

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Agricultural employees. Domestic servants in a home with less than two employees who work less than 40 hours per week. Professionals employed to do maintenance, repair or remodeling work in a private home for no more than 20 consecutive work days.
Workers comp penalties vary by state The penalty for not having workers compensation insurance in California is very similar, but can reach up to $100,000 in fines.
When is workers compensation insurance required? Employers with one or more workers are required to maintain coverage. There are no exceptions for family member employees, temporary, or ​part time employees.
Yes, employers with one or more employees are required to obtain and maintain a policy of workers compensation insurance unless they have been authorized by the Commissioner to directly pay compensation to injured employees. Family members, temporary workers, and part-time workers are considered employees.
Employers operating in Kentucky are required to carry workers compensation insurance for all employees, including corporate officers and part time employees, although there are a few exceptions. Sole proprietors may opt out of coverage.

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Kentucky imposes certain statutory limitations on workers compensation benefits, including: No matter how much you were making, a weekly maximum applies; You are ineligible for pain and suffering damages unless you opt out of the workers compensation system entirely and file a personal injury lawsuit; and.

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