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Workers' Compensation / Employers Liability

Provides coverage for your employees and volunteers for injury or disease sustained while on the job. This coverage provides for the expense of physicians, prescriptions, laboratory, hospital and therapy services. Indemnity (pay replacement) is also provided to the employee for the duration of the disabling condition. All benefits are provided on a statutory basis in accordance with the law of the State of Kentucky.

As one of the highest limits available in the industry, KLCIS Employer's Liability limits of $4 million are included in this program, which provides for disability and injuries not normally included in the workers' compensation system.

Certified Drug Free Workplace
KLCIS is providing the mandated 5% discount for all cities that become a Drug Free Certified Workplace and is providing assistance to its workers' compensation customers in obtaining the certification as well as absorbing the cost of the first year of ongoing substance abuse awareness training that is required for certification.

Required Injury Reporting to Kentucky Labor Cabinet

Did you know that Workplace Fatalities and Hospital Admissions of 3 or more employees resulting from workplace injuries are required to be reported to the Kentucky Labor Cabinet within 8 hours? Similarly, Amputations, Loss of an Eye, and some hospitalizations resulting from workplace injuries are required to be reported within 72 hours. For a flowchart to determine the reporting requirements for these injuries, click here.

 

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Did you know?

KLC Insurance Services insures over 6800 Kentucky city police cars.