Kentucky employers—here’s why Kentucky’s workers’ comp market is so competitive and why your workers’ comp premium doesn’t always drop when loss costs go down. In this Short, I break down how carriers start with approved loss costs, apply their own multipliers, and then layer in your specific business factors like class codes and payroll. What you’ll learn fast: • How each insurance company starts with the same approved loss costs but prices differently. • Why carriers apply their own multiplier
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Good news for Kentucky employers! The Kentucky Department of Insurance just approved another decrease in workers’ comp loss costs for 2026. That’s 20 straight years of reductions...but it doesn’t automatically mean your premium will go down. We broke down what this change actually means for Kentucky’s workers’ comp rates, how your experience mod fits in, and what smart business owners should do before renewal. Read the full breakdown here: https://rbisomerset.com/blog/kentucky-workers-comp-rates
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