Application for Split Coverage - Kentucky - Kentucky 2025

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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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