What is KARE?
What types of businesses buy their workers' compensation
insurance through KARE?
What about coverage in other states?
Where is the KARE claims office?
Does KARE offer a managed-care network?
Does KARE offer disability case management and
case referral services?
What safety and loss control services does KARE offer?
Does KARE offer a premium installment plan?
How competitive are KARE rates?
Do I have joint & several liability when I'm insured by KARE?

What is KARE?

KARE is a fully insured workers' compensation program endorsed by the Kentucky Chamber of Commerce, the largest multi-industry business association in Kentucky.

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What types of businesses buy their workers' compensation
insurance through KARE?

Today, more than 600 businesses manage their workers' compensation insurance needs with KARE. Manufacturing operations, service businesses, retail & wholesale trade operations, and restaurants are some of the general industry types insured by KARE.

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What about coverage in other states?

When you cover your Kentucky operations with KARE, you can also add other states coverage to your policy. KARE provides coverage in 42 states and the District of Columbia.

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Where is the KARE claims office?

The primary claims processing center is in Louisville, Kentucky.

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Does KARE offer a managed-care network?

Yes, KARE utilizes the Bluegrass Health Network (BHN) to provide injured employees high quality medical care through occupationally oriented health care providers.

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Does KARE offer disability case management and
case referral services?

Yes, KARE offers these services through an arrangement with Bluegrass Rehabilitation, Inc.

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What safety and loss control services does KARE offer?

KARE offers a wide-range of professional services for cost-effective risk management. These include: on-site surveys, safety consultations, model training programs, incident investigations, safety workshops, and a safety video training library.

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Does KARE offer a premium installment plan?

Yes, KARE offers a variety of interest-free installment payment plans.

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How competitive are KARE rates?

KARE has reduced its rates several times since opening for business in 1993. KARE's goal is to provide customers with stable, yet competitive, rates during all market conditions.

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Do I have joint & several liability when I'm insured by KARE?

No, since KARE is a fully-insured program, not a self-insured group fund, you do not have to worry about the issue of joint & several liability when you are insured with the KARE program.

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