Minimum premium   $500
Maximum premium  $10,000
Average loss ratio for 3 preceding years 50%
Maximum current year loss ratio  35%
Minimum experience mod  .50
Maximum experience mod  1.15
Minimum years in business  more than 3 years

The prospective member must also:

1. Have prior workers' compensation coverage and demonstrate financial stability. Member must supply KESA with their federal ID number.
2. Have a net worth equal to or greater than two (2) times the annual KESA premium in order to qualify for the payment plan, otherwise the full premium is due at inception.
3. Agree to membership in the Kentucky Employers Safety Association. The membership dues are $35.00 annually or for any partial year.

Please note:  Only agents submitting complete, accurate information on a qualifying account will be acknowledged as the agent of record.