Workers’ comp insurance cost for physician offices in Kentucky

Q: What does workers' comp cost physician offices in Kentucky?

Modeled from the 2024 filed manual rate of $0.20 per $100 of payroll: a <5-employee physician practice lands around $260–$1k per year before experience mods and schedule credits.

Q: What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Physician-office work is NCCI class 8832 (Physician & Clerical) — the '& Clerical' is part of the class design, so receptionists and billing staff are rated in the same class as the clinical team rather than split out separately.

Published 2026-06-11 · by Brokly

Direct answer: Kentucky physician offices pay a filed workers’-comp manual rate of $0.20 per $100 of payroll (2024 filed rate) — the 37th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee physician offices land around $260–$1k/yr, before experience mods and schedule credits.

40% of KY physician offices have <5 employees — the chart below prices every size band from its own observed payroll.
Kentucky sits 37th of 51: SD pays more ($0.25), DC less ($0.19).
Workers’ comp is one of several coverages — see everything your physician practice needs in Kentucky →

What do Kentucky physician offices pay for workers’ comp?

Modeled annual premium across the real size distribution of KY physician offices

bar height = how many physician offices are that size · figures = modeled annual cost

typical · most KY physician offices

▼

<5 emp

≈$470/yr

5–9 emp

≈$1.3k/yr

10–19 emp

≈$2.6k/yr

20–49 emp

≈$6.4k/yr

50–99 emp

≈$15k/yr

100–249 emp

≈$29k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee KY physician practice: modeled $260–$1k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 2,710 KY physician offices fall in each size band.

Cohort: size distribution of 2,710 KY physician offices (Census CBP 2023); premiums modeled from one filed rate ($0.20/$100 payroll, 2024). Bands shown cover 2,698 of 2,710 establishments (99.6%) — 12 establishments in larger, very small-count, or data-suppressed size bands are not shown. 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.

Filed manual rate (KY)

$0.20 / $100 payroll

as of 2024

Typical <5-employee physician practice (40% of KY)

$260–$1k / yr modeled

as of 2024 · CBP 2023

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (Offices of physicians (NAICS 621111)) (as of 2023, retrieved 2026-06-05)

How does Kentucky compare to nearby ranks?

Calculated manual rates, $ per $100 payroll, NCCI class 8832 (Physician & Clerical), 2024. See all 51 jurisdictions →

Rank	State	Rate / $100 payroll
33	North Carolina	$0.25
34	Massachusetts	$0.23
35	Mississippi	$0.22
36	Texas	$0.20
37	Kentucky	$0.20
38	Maryland	$0.20
39	Indiana	$0.19
40	Michigan	$0.19
41	Arizona	$0.19

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)

Frequently asked questions

What does workers' comp cost physician offices in Kentucky?

Modeled from the 2024 filed manual rate of $0.20 per $100 of payroll: a <5-employee physician practice lands around $260–$1k per year before experience mods and schedule credits.

What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Physician-office work is NCCI class 8832 (Physician & Clerical) — the '& Clerical' is part of the class design, so receptionists and billing staff are rated in the same class as the clinical team rather than split out separately.

Physician offices in nearby-ranked states: Maryland ($0.20) · Texas ($0.20) · Indiana ($0.19) · Mississippi ($0.22)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 2,710 Kentucky physician offices; your premium depends on your payroll, claims history, and carrier.