Workers' Compensation Rates in Kentucky (2026)

State Overview

Bureau Type

ncci

NCCI

WC Requirement

Mandatory

Minimum Employees

1

Effective Date

2026-01-01

Kentucky requires all employers to carry workers' comp. The state has a competitive insurance market with rates near the national average.

Average Rate (All Class Codes)

$5.35

per $100 of payroll

All Class Codes & Rates in Kentucky

CodePhraseologyHazard GroupRate per $100
8823Accountant - CPAA$0.18
8862Advertising AgencyA$0.22
7403Aircraft Operation - NOCE$9.25
7605Alarm Installation or RepairD$4.75
5047Aluminum InstallationE$7.75
8836Ambulance Service - All EmployeesC$5.50
7398Ambulette/Medical TransportD$5.50
9067Amusement Park - Mechanical RidesD$5.25
9016Amusement Park or Carnival - All EmployeesD$4.10
7520Amusement Ride OperationD$5.75
8831Animal Hospital - VeterinaryC$2.25
8861Architect or Engineer - ConsultingB$0.40
5473Asphalt PavingF$10.25
9625Assisted Living FacilityD$4.50
9182Athletic Teams - AmateurE$7.25
9180Athletic Teams - ProfessionalF$12.50
8820Attorney - All Employees & ClericalA$0.20
8803Auditing, Accounting or Management ConsultingA$0.20
8046Auto Accessories StoreB$1.25
8385Auto Parts Store - RetailC$2.30
5188Automatic Sprinkler InstallationE$7.85
8392Automobile Body RepairE$7.25
8748Automobile Dealer - All EmployeesD$3.75
8391Automobile DismantlingE$6.80
8380Automobile Service or Repair CenterD$4.50
8389Automobile TowingE$8.50
7422Aviation - Ground CrewE$7.25
2003BakeryC$3.50
3724Bakery - ManufacturingD$4.25
8815Bank - All EmployeesA$0.15
8855Banks and Trust Companies - All EmployeesA$0.17
9586Barber Shop or Beauty ParlorC$1.50
7337Boat Building - MetalF$9.75
7335Boat Building - WoodE$7.50
3027Boiler ManufacturingE$7.75
8072Book StoreA$0.50
2157BottlingC$3.25
9071Bowling Alley - All EmployeesC$2.45
9070Bowling Center - AllC$2.50
2065BreweryC$3.25
9650Building InspectionC$2.25
8058Building Materials DealerD$5.25
9015Building Operation - All Other EmployeesC$3.10
7382Bus Company - All EmployeesD$7.50
8850Bus/Taxi - DispatchingA$0.45
5146Cabinet InstallationD$6.75
5148Cabinet Manufacturing & InstallD$6.00
2812Cabinet/Wood Products ManufacturingD$6.25
9055Camps - Day/OvernightC$3.25
2095Candy ManufacturingC$3.00
2111CanneryD$5.25
9602Car WashC$2.50
5645Carpentry - CommercialF$12.50
5432Carpentry - Detached One/Two FamilyE$9.25
5436Carpentry - Finish DetachedD$6.50
5437Carpentry - FramingF$14.25
5404Carpentry - Install CabinetsD$7.00
5403Carpentry - ResidentialF$11.25
2802Carpentry - Shop OnlyD$5.50
9536Carpet CleaningC$3.00
9519Catering NOCC$3.50
5020Ceiling InstallationE$8.50
9610Cemetery - AllD$3.50
5348Ceramic Tile, Indoor Stone, Marble, or Mosaic WorkE$5.50
2131Cereal ManufacturingC$2.90
7405Charter AircraftF$12.75
9660Chimney SweepD$4.75
8826Chiropractic OfficeB$0.90
8812Clerical - Drafting EmployeesA$0.22
8810Clerical Office EmployeesA$0.25
2501Clothing ManufacturingB$2.25
8008Clothing or Wearing Apparel Store - RetailC$1.85
9061Club NOC - All EmployeesC$2.80
8844Collection AgencyA$0.22
8868College or University - Professional EmployeesB$0.45
7380Commercial DriversD$8.50
8859Computer Programming or Software DevelopmentA$0.18
5201Concrete Block ManufacturingE$8.00
5213Concrete Construction NOCF$9.75
5214Concrete NOC - PouredF$10.25
5221Concrete or Cement Work - Floors, Driveways, YardsF$8.90
5070Concrete Products ManufacturingE$6.50
5215Concrete WorkF$11.50
5222Concrete/Cement - FloorsE$8.25
8227Construction Material - UsedD$5.75
8019Convenience StoreC$2.25
7715Corrections OfficersG$9.25
9558Courier/Document DeliveryC$3.25
7719Court EmployeesB$1.25
8865Court ReporterA$0.15
2070Creamery/Dairy ProductsC$3.75
8801Credit Union - All EmployeesA$0.15
8805Credit Union/SavingsA$0.15
9059Day SpaB$1.50
8854Daycare CenterC$2.50
8822Dental LaboratoryB$0.75
8824Dental Office - All EmployeesB$0.55
8039Department Store - RetailC$2.00
2102DistilleryC$3.10
5108Door/Window InstallationD$6.25
5152Drilling NOCF$13.50
8047Drug StoreB$0.95
2688Dry CleaningC$3.25
8866Election CampaignB$0.85
7539Electric Light/Power CompaniesF$10.50
3082Electrical Apparatus ManufacturingD$4.50
5140Electrical Installation - InteriorD$5.25
5193Electrical Wiring - AlarmD$5.50
5191Electrical Wiring - CommercialE$7.25
5190Electrical Wiring - Within BuildingsE$6.25
9653Elevator InspectionC$2.00
5160Elevator InstallationF$10.50
5162Elevator Service/MaintenanceE$8.25
8858Employment AgencyA$0.20
7711EMT/ParamedicsF$7.50
6217Excavation NOCF$10.80
8809Executive RecruitingA$0.20
0035Farm - DairyE$8.75
0005Farm - Field CropsE$9.50
0016Farm - LivestockF$10.25
0050Farm - Orchard or GroveE$7.80
8841Financial AdvisorA$0.17
7710Firefighters and DriversD$6.50
2161Fish ProcessingE$6.50
8032Florist - RetailB$1.15
2130Flour MillingD$4.25
7350Freight HandlingE$7.25
2143Fruit ProcessingD$4.00
9620Funeral Directors - All EmployeesC$1.75
2883Furniture ManufacturingD$5.50
7590Garbage/Ash CollectionF$9.75
2913Glass ManufacturingE$7.50
2915Glass MerchantD$5.25
5462GlazierE$8.50
9056Golf ClubC$2.50
8811Government ClericalA$0.22
8304Grain ElevatorE$7.00
2041Grain MillingD$4.50
8006Grocery Store - RetailC$2.50
9585Hair SalonB$1.25
8116Hardware DealerC$3.25
8055Hardware Store - GeneralC$2.50
8044Hardware Store - RetailC$2.75
8010Hardware Store - WholesaleC$2.60
5137Heating Equipment InstallationD$5.75
5185Heating System InstallationD$5.50
5537Heating, Ventilation, Air Conditioning and RefrigerationE$5.75
5239Highway ConstructionG$15.00
8851Home for Aged - AllD$5.25
8835Home Health Care ServicesC$4.15
8834Hospital - All Other EmployeesC$4.50
9040Hospital - Non-ProfessionalD$5.50
8833Hospital - Professional EmployeesC$2.85
9052Hotel - All EmployeesC$3.65
9058Hotel or Motel - All Other EmployeesC$3.50
9529House CleaningC$3.25
9033Housing AuthorityB$1.50
2039Ice Cream ManufacturingC$3.50
8215Ice DealerC$3.00
8203Ice ManufacturingD$4.50
5479Insulation WorkE$7.50
8818Insurance Company - ClericalA$0.18
8845Investigator/DetectiveC$2.25
8840Investment CompanyA$0.15
5038Iron Doors/Gates InstallationF$14.50
5057Iron or Steel Erection - NOCG$17.25
5102Iron or Steel Erection - StructuralG$18.50
5069Iron/Steel - NOCG$21.00
5059Iron/Steel - OrnamentalF$12.25
5040Iron/Steel Erection - FrameG$24.50
8106Iron/Steel MerchantD$5.50
6229Irrigation Works - All OperationsE$6.50
9014Janitorial Services - By ContractorC$4.25
8013Jewelry StoreB$0.85
8263Junk DealerD$5.50
0917Landscape Gardening - NOCD$5.25
5443LathingE$8.75
2660Laundry NOCC$3.50
2586Leather Goods ManufacturingC$3.00
9034Library - All EmployeesA$0.65
7716LifeguardsD$3.75
8232LoggingG$25.00
7317Longshore WorkersG$19.00
8061Lumber DealerD$5.75
3632Machine Shop NOCD$4.75
3030Machinery ManufacturingD$5.50
3685Machinist NOCD$5.10
7327Marine TransportationF$12.50
5029Masonry - DecorativeE$9.50
5027Masonry - FireproofF$11.00
5028Masonry - StoneF$12.75
5022Masonry NOCF$10.50
8031Meat Market - RetailC$2.75
2001Meat PackingF$8.75
8033Meat, Fish or Poultry Dealer - RetailC$3.25
8838Medical LabB$0.75
7360Messenger ServiceC$3.50
3581Metal Stamping - NOCE$6.15
9554Moving Company - LocalE$8.25
9410Municipal, Township, County or State Employees - NOCC$3.50
9587Nail SalonB$1.00
8860Newspaper - DeliveryC$3.75
8869Newspaper or Magazine Publishing - All EmployeesB$0.35
8807Newspaper PublishingB$0.85
0042Nursery EmployeesE$6.25
9046Nursing - Home/VisitingD$5.75
9049Nursing Home - AllD$5.50
8829Nursing Home - All EmployeesC$5.25
8804Office Machine ServiceB$1.50
8825Optometry OfficeA$0.40
8742Outside Sales PersonnelB$0.55
8037Paint StoreB$1.00
9012Painting - Buildings, Interior - By ContractorsC$3.75
5474Painting - Interior or ExteriorE$7.50
7721Park RangersD$3.50
8821Patent/Copyright AttorneyA$0.20
4361Pest Control ServicesD$4.50
9549Pet GroomingC$1.75
8099Pet StoreB$1.15
8846Pharmaceutical SalesB$0.55
8839Pharmacy - RetailB$0.90
7600Phone/Telegraph InstallationE$7.00
8832Physician & ClericalB$0.45
2110Pickle ManufacturingC$2.85
7313Pier/Wharf OperationF$11.25
5480Plastering NOCE$7.25
8111Plumber - CommercialE$6.00
5183Plumbing NOCE$6.75
7723Police Officers - MountedF$10.75
7720Police Officers and DriversD$5.75
8816Post OfficeC$2.75
2002Poultry ProcessingF$8.50
3076Printing - Offset or DigitalD$3.10
8843Psychiatric HospitalD$4.50
9088Public WorksE$6.50
8015Quick PrintingB$1.00
8857Radio Station - ClericalA$0.18
7610Radio/TV BroadcastingB$1.25
7855Railroad OperationE$7.50
8856Real Estate Agency - All EmployeesC$1.20
8817Real Estate ManagementB$1.25
9077Recreation CenterC$2.50
3060Refrigerator ManufacturingD$4.75
8849Research Lab - AnalyticalB$1.10
9079Restaurant - Fast FoodC$3.25
9083Restaurant - Fast Food - Including DeliveryD$4.10
9082Restaurant NOCD$3.75
8045Retail Store - Cannabis/DispensaryC$2.15
8017Retail Store NOCC$2.10
5551Roofing - All EmployeesG$25.00
5606Roofing ContractorG$22.50
7724Sanitation WorkersF$8.50
9101School - All EmployeesB$1.85
9102School - Professional EmployeesB$0.65
9105School Bus DriversD$4.50
9008Schools - VocationalC$2.75
9060Senior CenterB$1.75
5538Sheet Metal Work - HVAC DuctworkE$6.80
8090Shoe StoreA$0.55
5119Siding InstallationE$7.50
9072Skating RinkC$2.75
8864Social Services OrganizationB$1.25
2105Soft Drink ManufacturingC$2.75
8078Sporting Goods StoreB$1.25
8279Stable/Riding AcademyD$5.25
7309StevedoringG$18.50
8293Storage WarehouseD$4.75
8021Store - FurnitureC$2.50
5506Street/Road ConstructionF$11.75
5507Street/Road Construction - ClearingF$10.00
2021Sugar ManufacturingD$4.25
5223Swimming Pool ConstructionF$9.25
9064Swimming Pool OperationC$2.75
2623TanningD$5.50
7370Taxi/RideshareD$6.75
7390Taxicab Company - All EmployeesD$7.80
8871Telecommunication Employees - NOCA$0.30
8814Telephone Company - ClericalA$0.18
5037Tile RoofingG$22.00
2121Tobacco ManufacturingC$2.50
7232Trucking - Furniture MovingE$10.50
7229Trucking - HazmatG$14.75
7228Trucking - Local Hauling OnlyD$8.75
7219Trucking - Long HaulE$11.50
7231Trucking - Mail, Parcel, or Package DeliveryD$9.10
7202Trucking - NOCE$9.50
7227Trucking - RefrigeratedE$10.25
8847Trust CompanyA$0.15
9522UpholsteryC$2.75
9068Veterans HomeD$4.25
8842Veterinary Office - All EmployeesC$1.10
5180Water Main ConstructionF$12.00
3365Welding or Cutting NOCE$8.25
8018Wholesale Store NOCC$2.40
5196Wiring - Fire Detection SystemsD$4.75
2841Woodworking NOCD$5.75
2286Wool ProcessingC$3.15
8802Writer/AuthorA$0.20
2220Yarn/Thread ManufacturingC$3.00
9063YMCA, YWCA, or Health Club - All EmployeesC$2.85

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