Question 1

How much does workers' comp cost for Lifeguards in Kentucky?

Accepted Answer

The current rate for Lifeguards (Class Code 7716) in Kentucky is $3.75 per $100 of payroll. This means an employee earning $50,000/year would cost approximately $1875 per year in workers' comp premium.

Question 2

Is workers' comp mandatory in Kentucky?

Accepted Answer

Yes, workers' compensation insurance is mandatory in Kentucky for all employers with at least one employee.

Question 3

How does Kentucky's rate compare to other states?

Accepted Answer

Kentucky's rate for Lifeguards is $3.75, which is $0.25 below the national average of $4.00 (-6%).

Question 4

What does class code 7716 cover?

Accepted Answer

Covers lifeguards performing water safety surveillance and rescue operations at pools, beaches, and water parks.

State	Rate per $100	Difference
Kentucky (current)	$3.75	—
Indiana	$2.93	-0.82
Texas	$3.08	-0.67
Virginia	$3.11	-0.64
Utah	$3.19	-0.56
Arkansas	$3.30	-0.45

Workers' Comp Rate for Lifeguards in Kentucky (Class Code 7716)

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