Who writes workers' compensation in Kentucky
Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.
Kentucky Employers Mutual Insurance wrote the most workers' compensation in Kentucky in 2025, $136.4M and 25.8% of the state's premium; the top five groups hold 46%. Kentucky's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the Kentucky page.
By Sam Alishahi, independent insurance broker · All lines in Kentucky
Method and source
Source: the Kentucky Department of Insurance company list, read 2026-10-17. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.
Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.
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