KEMI works with Zurich American Insurance Company to provide a national market for qualifying Kentucky employers. The program provides Kentucky businesses with a valuable alternative for their other states operations.

Guidelines for acceptance in the program:

  • Must have, or apply for, a KEMI policy to access the program
  • Accounts with a significant Kentucky exposure
  • Operation must be financially secure
  • Prefer complete submissions be received at least 30 days before the requested effective date

The program offers employers the ability to secure workers’ compensation coverage in all eligible states through a single source.  If accepted in the program, a separate policy will be issued through Zurich American Insurance Company.  However, for convenience, your KEMI Underwriter will maintain and service both policies, all billings will be combined under one invoice, and KEMI will perform the premium audits. Claims arising from operations outside of Kentucky and covered by the Zurich policy will be handled by Zurich claims examiners.

To find out more about the program, contact your KEMI underwriter at 859-425-7800 or toll-free at 1-800-640-KEMI (5364).