History-sm

Keeping the Promise:
Our Past and Our Future

Workers’ Comp:
A Market Once in Turmoil

A
fter experiencing several years of significant growth in
the early 1990s, business owners throughout Kentucky
were reaping the benefits of a strong economy.
Unemployment in the state had dipped below the national
average and businesses continued to expand, particularly in
the construction and manufacturing industries.
But Kentucky’s economy was not entirely well as small
businesses struggled to find a reliable source for their
workers’ compensation insurance coverage. Many of those
businesses had no other choice but to join the Kentucky
Workers’ Compensation Insurance Plan (KWCIP), a program
administered by the National Council on Compensation
Insurance (NCCI). The KWCIP offered workers’ compensation
coverage but required employers to pay substantially higher
rates than those paid for the same classification codes in the
standard market.
Referred to as the “Assigned Risk Plan,” the “Pool,” or the
“market of last resort,” the KWCIP offered nothing more
than a certificate of insurance and a guarantee of coverage
to employers who were paying for workers’ compensation
insurance. Most businesses with coverage through KWCIP
did not know who their workers’ compensation insurance
carrier was and there was no coordinated effort between the
administrators of the program and its participants to address
workplace safety concerns or manage the steady increase of
claims due to the growing economy.
One newsletter from the Kentucky Chamber of Commerce
described the situation as follows: “For decades, many
employers benefited when the rates in the current assigned
risk pool were manipulated to artificially control premium
costs. The result has been that for each of the past five years,
the assigned risk plan lost an average of $100 million each
year.”
“To cover the unfunded liability, insurance companies who
wrote business in Kentucky were required to pay a share of
the assessment. Over time, the added costs of the assessment,
combined with pressure to keep premiums competitive with
the assigned risk rates, led many commercial insurers to the
conclusion that they couldn’t afford to do business in Kentucky.”
“With fewer and fewer insurers willing to write business (and
pay the unfunded assigned risk liability) and more and more
employers voluntarily purchasing insurance in the assigned
risk pool because it was cheaper, we reached a crisis.”
The “Pool” was a dangerous liability. News headlines
portrayed a grim outlook on the situation, and pressure was
building from business and trade groups across the state to
push legislators in Frankfort to make drastic changes to
the failing system. Among those pressing for changes were
the Economic Progress Initiative Council, which held a news
conference to address many of the issues relating to workers’
compensation coverage in Kentucky.
During the press conference, council members highlighted
the high premiums that business owners were facing due to
the mismanagement of the “Pool” and explained how the
workers’ comp market was making Kentucky economically
uncompetitive.
“The council said workers’ comp cost Kentucky employers
$520 per worker in 1993, substantially higher than any
surrounding state,” wrote Bill Estep in a story published by
the Lexington Herald-Leader. Fortunately for Kentucky
businesses, the state legislature acknowledged the problems
facing the workers’ compensation insurance market and took
swift action.
“The General Assembly enacted House Bill 928 on March 30,
1994, after three months of spirited and tumultuous debate.
The legislation was signed by the Governor [Brereton Jones]
and became law on April 4, 1994.
The provisions of HB 928 are far-reaching, complex,
controversial, and they affect almost every entity involved in
the workers’ compensation program or process in Kentucky.”
-- Excerpt from Kentucky Workers’ Compensation Reform,
1994 HB 928, A Citizen’s Handbook
KEMI is Created
Included in the sweeping changes brought by HB 928,
Kentucky Employers’ Mutual Insurance Authority (KEMI)
was created by the Kentucky Legislature as a non-profit,
independent, self-supporting, de jure municipal corporation
chartered as a competitive state fund and as a market of last
resort for employers.
KEMI would provide coverage for workers’ compensation,
employers’ liability insurance and coverage required by the
Federal Coal Mine Health and Safety Act, the Jones Act and
the Longshore and Harbor Workers Act incidental to and in
conjunction with workers’ compensation. The organization
would be entirely self- supporting with the exception of initial
start-up funding (amounting to $7 million to be provided by
and repaid to the Kentucky Workers’ Compensation Funding
Commission) and was denied full faith and credit by the
Commonwealth.
The organization would be governed by an 11-member
board of directors including seven voting members appointed
by the governor and subject to Senate confirmation.
2

Four non-voting ex-officio members would consist of the
Secretary of the Finance and Administration Cabinet,
the Secretary of Economic Development Cabinet, the
Commissioner of the Department of Personnel, and
the Commissioner of the Department of Insurance.
KEMI’s enabling legislation directed that the board
function in a manner similar to that of any domestic
mutual insurer with corporate powers and specific duties
defined by statute, including the responsibility to hire a
manager to administer KEMI and present that individual
for Senate confirmation, all on a time line to be fully
operational on or before September 1, 1995.
KEMI Board Hires President & CEO
Based upon the mandate of KEMI’s legislation, the
board conducted a national search for an experienced
and qualified candidate to lead KEMI into a successful
future that would essentially stabilize Kentucky’s
workers’ compensation insurance market and initiate
economic growth for the Commonwealth into the future.
On January 4, 1995, Roger J. Fries, Executive Vice
President of the Accident Fund in Lansing, Michigan
was hired to serve as KEMI’s president and CEO
and the concept of KEMI was shaping into its reality.
Finding a Home, Hiring Staff,
and Getting to Work
Building on the foundation the board for the newly
created entity had established since it began meeting in
August 1994, Roger assumed responsibility for the dayto-day
operations of KEMI.
With an intense timeline to provide coverage effective
September 1, 1995, Roger faced many challenges.
KEMI had no employees and no benefits to offer,
no offices and no furniture, no phones, no computer
operating systems, no rates, no formal business plan . . .
and essentially no time.
The first six months of 1995 were a flurry of activity.
Unless Roger Fries planned to underwrite and issue every
policy himself, he knew he quickly had to hire and train a
fledgling staff that had the potential and the motivation
necessary to initiate and withstand the expected growth
and challenges of the next five years. Before he would
be able to entice employees with the type of character
and ambition desired, a competitive benefits package
would be required. With the assistance of Governor
Jones’ administration, an executive order was issued
allowing KEMI employees to participate in the Kentucky
Retirement System even though KEMI’s employees
would not be state employees or part of the Kentucky
Personnel System.
With essential benefits in place by early February, it was
time to search for office space, establish an actuarially
sound rating plan, and select a workers’ compensation
information system. Each task in itself was monumental.
KEMI Opens for Business
Lexington’s centralized location, amenities, and potential
made it an ideal location for KEMI’s headquarters. With
a vision of what would be, Roger began evaluating
space and subleased half of a floor in the Lexington
Financial Center, contracting for first
right of refusal on adjacent space and
floors. As luck would have it, furniture
from the prior tenant remained and
Roger was able to arrange for KEMI
to retain it indefinitely for minimal
expense. Now that a physical location
had been established, phones were
installed; letterhead was ordered; and
employees were being hired. KEMI was
off and running.
Those first months up until September
1995 were 24/7. There were no
vacations; there were barely weekends
for the handful of employees and other
supporting service providers such as
3

Meridian Communications,
CM Management, Price
Waterhouse, and Milliman
& Robertson, who committed
their time and talents to
successfully meeting the
required deadline.
From day one, the plan of
operations at KEMI was
to achieve the mandate
established by the
legislature, but to do it in
such a way that made KEMI
more than just a “here today,
gone tomorrow” solution
to a problem; more than
just an insurance company
for workers’ compensation;
and more than just an
employer for those first employees determined to
see the company succeed. The ultimate plan for
KEMI was to make the organization the best workers’
compensation insurer operating in the Commonwealth.
One of the first objectives toward reaching that goal
was to develop and execute a transition plan with NCCI
to ensure that KEMI was prepared to issue coverage
for any entity that desired it. Agencies servicing
accounts were notified of their options. At the same
time, KEMI was establishing a culture of customer service
that would educate and assist agents as they began
placing accounts with the new organization. By July 15,
1995, KEMI was fully operational; operating systems
and employee training were complete and customer
service values were in place. By August 1, the first
applications for coverage were coming through the door.
Even in those early days, the culture at KEMI was
defined by the sense of responsibility to the cause and
a desire to do the right thing right, building integrity
for the organization and establishing a defined process
for doing business. As difficult as it was at the time
for most KEMI employees to imagine what the first year
of operations would be like, Roger and the board had
a greater vision and established long-term goals for
financial compliance; safety, loss control, and managed
care services; actuarially sound rates; low operating
expenses; experienced employees; competitive and
innovative products; competitive producer commissions;
data collection; and, ultimately, to make KEMI the
“Market of First Choice” as the leading writer of workers’
compensation insurance in Kentucky.
KEMI’s First Rate Filing and
Writing the First Policies
During KEMI’s first year, there were countless daily
obstacles – all critical in nature – and one of the most
significant related to KEMI’s first rate filing, which was
publicly announced in June of 1995. After months
of evaluating data, actuaries for the organization
recommended that the board make a rate filing that
would increase rates substantially for businesses that
had been insured in the pool. In explanation, Mr. Fries
conceded that the rate increases would not be popular,
but stated, “Our job is to take the lead in getting the
Kentucky workers’ compensation system under control;
we will begin providing coverage on September first
with the goal of putting the system on sound actuarial
footing. Other benefits will follow. These include better
health and safety conditions for Kentucky workers,
a better business environment to attract new industry
to the state, and yes, even lower premium rates are
possible once the system is on solid ground.” Though
the increases required were a consequence of previous
mismanagement of the assigned risk pool, Mr. Fries was
correct that they would not be well-received. Legal
action was necessary to resolve the matter and receive
final approval of the rates from the department of
insurance.
4

KEMI Pays Off Loan from the
Funding Commission
KEMI’s 1995 annual report predicted that the organization
would become the dominant force in Kentucky workers’
compensation insurance in 1996 and take a leadership
role in encouraging actions which improve the system
and provide better, more affordable service to all
employers, large and small. Demonstrating commitment
to this prediction in a manner directly related to KEMI,
in the spring of 1996 Roger Fries recommended to the
board that they repay the $7 million start-up loan that
was provided by the Kentucky Workers’ Compensation
Funding Commission. Although the terms of the loan
allowed re-payment through October 2001, according
to KEMI’s Vice President of Finance, early payoff made
good business sense. He stated, “At the current interest
rate we’re (KEMI)
paying the Funding
Commission, we
would have sunk
over $2.2 million
into interest
payments by
the year 2001.
Policyholders are
much better served
over the long term
by putting that
money to work
instead of paying
it out.” Payoff of
the loan six years
early was a huge
relief and a significant statement to the community about
the viability of KEMI and its future success.
The KEMI Philosophy on Customer Service
The KEMI philosophy of customer service has been
a core component of the organization’s corporate
strategy and culture. Early in the company’s history,
priority was placed on interaction with customers and
developing service standards they had not previously
known; these standards were defined as employee
values, representing the commitment of the KEMI staff.
To this day they continue to be deeply embedded in
KEMI’s operations:
We will reflect integrity in all that we do by making
decisions that are ethical and in accordance with statutory
requirements and KEMI operating policies.
We understand that communication and teamwork within
our organization are essential to resolving all issues.
We will educate our customers about, and involve our
customers in, decisions that affect their relationship with
KEMI.
We will listen to our customers and treat them with honesty
and respect.
We will understand
and address our
customers’ needs
while providing
them prompt and
responsive service.
We recognize that
our decisions will
not always meet
with the approval
of all customers we
serve.
We take pride in
being a dependable
and respected resource for Kentucky employers.
We believe that our customers’ satisfaction is a key measure
of our success.
After one year of serving policyholders, Roger Fries
issued a special note of thanks and appreciation to
each and every member of the KEMI team. “We have
been extraordinarily successful during this first year
and every measure of that success can be attributed to
your hard work, initiative, and dedication to excellent
customer service,” wrote Roger. “What sets us apart,
and will continue to make a significant contribution to our
success, is your unrelenting drive to make things better –
for the company and for our policyholders.”
5

Since the company’s inception, KEMI staff has had
an inherent understanding of the “unrelenting drive”
Roger referenced in his note and its significance to the
organization and the Commonwealth. That drive has
been exhibited in dedicated service units like KEMI’s
Center for Assistance, in providing customized training
courses and materials available free of charge, in the
ever-growing and improving online tools available at
kemi.com, and in countless behind the scenes efforts
that make KEMI more effective and cost efficient for
customers.
From the beginning, staff understood that there was no
difference between the workers’ compensation insurance
policy KEMI sold and the workers’ compensation insurance
policy sold by any other insurance company. At the very
basic level, policies for workers’ comp insurance provide
the same protection and benefits no matter whose paper
the policy prints on. But KEMI benefited from the early
vision of Roger and the board as they recognized that
the KEMI policy could stand apart by supporting it with
a commitment to financial stability, non-complacency,
creativity, and unique strategies for customer service
and innovation.
One of those strategies came to life in the creation
of KEMI.com. Though the initial site did provide some
functionality to obtain a quick quote, the majority of the
site served as an informational hub for those interested
in learning more about KEMI and the services the
company provided.
Holding true to early commitments to innovation
and technology, it wasn’t long before KEMI.com was
transformed into a fully interactive site which provides
tools for submitting claims and applications, online
payments, obtaining loss runs and certificates of
insurance, obtaining quotes, and completing audits. Since
KEMI.com has become a huge component of how we
efficiently serve customers and control expenses,
improvements to the site remain under constant
consideration by KEMI’s Information Technology and
Communications staff, as well as management.
Even with the implementation of online services available
via KEMI.com, management and employees at KEMI had
no intention of sacrificing service values.
Recognizing the speed of change and the importance
of personal service in an environment that was
becoming more and more automated, KEMI created a
specialized unit of employees technically proficient in
all areas of KEMI’s operations and then empowered
them with authority to completely handle inquiries being
received by phone and via KEMI.com. KEMI’s Center
for Assistance (CFA) began operating before KEMI’s
five-year anniversary and has remained one of the
most significant units within the company. In a single
year, the CFA team handles more than 45,000 calls
and responds to more than 7,500 messages sent to
answers@kemi.com.
6

Our policyholders were surprised when we called
to ask how we could help them. They had never
received that kind of service from a workers’
compensation insurance provider before.
Roger Fries
President & CEO of KEMI

Controlling Your Own Destiny: Safety Impacts the Bottom Line
Companies that placed their coverage with KEMI in
1995/1996 had likely not experienced the type of
workers’ comp service or involvement KEMI was focused
on providing. With a full staff of loss education
specialists located in Kentucky, policyholders quickly
learned that KEMI’s free resources were easily
accessible. Site evaluations were conducted as a
routine course of business and available upon request
of policyholders. Effective solutions to safety concerns
on the jobsite were presented and carried forth with
KEMI’s “Control Your Own Destiny” message; a message
which has resonated over the years with businesses that
accepted KEMI’s recommendations and implemented
improved safety measures within their workplace. As a
result, those businesses saw reductions in their workers’
compensation premiums through the stabilization of their
experience modification, rate reductions, the application
of credits, and even preferred pricing. KEMI’s approach
to loss control has made safety a worthwhile investment
for policyholders.
At every opportunity KEMI has endeavored to make
safety and loss education affordable for Kentucky
businesses. In addition to safety materials and
evaluations, in 2010, KEMI’s loss education specialists
began offering free OSHA training courses in General
Industry and Construction Training which provides an
incredible value for businesses. One attendee expressed
the appreciation of his company as follows: “Our
Superintendents who have gone through similar training
in the past all noted how beneficial and common sense
that his (KEMI trainer) approach to the course was. We
appreciate that he trained us on our level and for the
position that we represent in the field. Everyone was
very satisfied that they learned a great deal more with
his approach to training than any other trainer that they
have had in the past. Retention should be very high
with this approach and that means more success for our
company.”
At KEMI we have earned a tremendous amount of
respect in the workers’ compensation marketplace
both in Kentucky and beyond with such efforts. Our
employees are working hard each day to empower
KEMI policyholders to control their own destiny by
making workplace safety a top priority.
But our efforts to promote workplace safety do not stop
with just KEMI customers. Take, for example, the KEMI
Mine Safety & Training Competition held in Pikeville
each year.
This annual KEMI event is free of charge for all coal
companies to attend and features more than 500 coal
miners competing in events for Mine Rescue, Pre-Shift,
Bench and First-Aid.
In 2011, over 50 coal companies from Alabama,
Illinois, Kentucky, Pennsylvania, Tennessee, Virginia and
West Virginia were in attendance, and more than 200
officials from the Mine Safety & Health Administration
(MSHA) and the Kentucky Office of Mine Safety and
Licensing (OMSL) served as judges for the three-day
safety training event.
KEMI recognizes that our commitment and message of
safety must reach beyond just our policyholders; we
must engage this close-knit industry by offering safety
training to anyone who is interested. While several
employees were focused on promoting this free event
to policyholders and other coal companies in Kentucky,
a coordinated communications effort was underway to
draw in out-of-state competition as well. The result in
our first year: more than 20 coal companies from five
different states attended KEMI’s free safety event,
and the word spread quickly throughout the industry
that KEMI was offering an opportunity too good to be
passed up.
We are proud to report that in only its fourth year, the
KEMI Mine Safety & Training Competition has grown to
be the largest annual mine safety event in the nation.
8

Financial Stability:
It’s More than Just the Bottom Line
As a start-up operation, KEMI didn’t have money that
would be needed to pay employees, secure space,
obtain an operating system, begin paying benefits to
injured workers, or do anything for that matter. As
mentioned, HB 928, KEMI’s enabling statute, authorized
KEMI to borrow up to $7 million from a state agency
to meet start-up expenses. In May 1996, six years
earlier than expected, KEMI held a payoff celebration
and repaid the $7 million start-up loan to the Kentucky
Workers’ Compensation Funding Commission. Since that
time, KEMI has been debt-free.
The Purpose of a Policyholders’ Surplus
Recognizing the nature of workers’ compensation
insurance, development of KEMI’s surplus required
immediate attention. By definition the term “surplus”
is typically misunderstood outside the insurance industry
and is misconstrued as profit or excessive funding.
However, surplus is essential as the ultimate backstop for
policyholder claims. As individual claims are reported
they are evaluated and KEMI sets a monetary reserve
for medical costs and income benefits. In addition,
insurers like KEMI must set a reserve to cover claims that
have occurred but have not been reported each year.
In contrast to reserves, surplus is accumulated to cover
unexpected occurrences such as mining catastrophes,
unanticipated medical inflation over the long tail
of workers’ compensation claims, and the impact of
legislative action like the federal Byrd amendment
which passed with the healthcare reform bill of 2010.
That retroactive legislation provides for the filing
and reopening of workers’ compensation insurance
claims for benefit payments which it would have been
impossible to anticipate when initial claims reserves
were set. Essentially, surplus is a safety net providing
financial stability above and beyond operating expenses
and claims reserves; it is the working capital needed to
support past, present, and future risk and operations,
and it ensures a workers’ compensation insurance
company can live up to its obligation to pay claims as
required by law.
The Comp Market Stabilizes as KEMI Grows
Though very few people knew exactly what to expect
when KEMI opened its doors for business, under Roger’s
leadership, the board, management, and staff were
prepared for changes to Kentucky’s insurance market.
By the end of 1996, KEMI had grown to over 18,000
policyholders and was the largest workers’ compensation
insurance company in the state - writing more than $93
million in premium. Just as expected, competition in the
workers’ comp insurance market returned to Kentucky
and by the end of 1999 KEMI’s written premium was
reduced to $28 million. After just five years, the workers’
compensation market in Kentucky was recognizing the
impact of KEMI’s successful creation and execution. All
the while, KEMI was continuing to fine-tune its services
and anchor itself in the solid business practices that
would reinforce the company’s competitive presence
and be necessary for future growth.
KEMI Rated “Excellent” by A.M. Best
In 2000, after four complete years of operations, KEMI
had reached the age necessary to apply for a financial
strength rating from A.M. Best. The evaluation process
was extremely intense and time-consuming; historical
data had to be generated and analyzed, corporate
structure and planning had to be discussed, financial
forecasts had to be prepared and presented, the
impact of potential legislative involvement had to be
considered and business strategy had to be laid out in
detail. After months and months of working through the
9

process, in March 2001, A.M. Best issued KEMI’s first
financial strength rating, A- (Excellent), which would be
one of the most significant events in KEMI’s short history.
At the end of the 90’s and start of the new century,
the workers’ compensation insurance industry across the
nation was struggling with irresponsible business practices
and pricing wars; Kentucky was no exception. Now that
KEMI had obtained an “Excellent” rating from A.M. Best,
the organization was keenly positioned to compete with
the other insurance companies in the state to provide
workers’ comp insurance for large, highly-respected
Kentucky operations, many of which are restricted to
obtain coverage from insurance carriers rated “A-” or
better by A.M. Best. Even in this new culture dominated
by competition, KEMI maintained a position to avoid
price wars, evaluate each risk, and price each policy
accordingly. Many other carriers and self-insured funds
were irresponsibly pricing policies to post policy premium
on their books, but KEMI was unwavering in its commitment
to ensure adequate rates and financial stability. That
particular time in workers’ compensation insurance
history led to the demise of many insurance companies.
In Kentucky, AIKComp fell victim to its self-inflicted
wounds, unable to fund claims liabilities being forced
to assess policyholders and ultimately close their doors.
Sharing Our Success
The financial success KEMI has garnered from avoiding
compromise and conducting business with integrity is a
concrete advantage of placing coverage with KEMI;
the long-term financial stability of the organization
provides peace of mind to policyholders and injured
workers alike. Repeated affirmation of KEMI’s
“Excellent” rating by A.M. Best and clean financial
audits from KEMI’s independent auditors as well as
the department of insurance confirm the continued
solvency of the organization. A conservative investment
strategy, placing 90% of investments in bonds, and
routinely monitoring the portfolio with reputable asset
management partners has proven beneficial for KEMI
even when markets have struggled. Though as a
mutual insurer, KEMI has the ability to issue dividends
to policyholders, and did so in 2010, the company has
found greater long-term impact for its policyholders
by returning premium to them through rate reductions.
Over the course of the past 15 years, KEMI has issued
eight rate reductions; keeping rates lower than they were
when KEMI opened for business in 1995 and promoting
Kentucky’s economic development by providing a
quality source for workers’ compensation insurance and
outstanding service at a competitive price.
KEMI continues to excel and is positioned to face the
future with great confidence. We expect KEMI to
continue to be the cornerstone of a stable, competent
workers’ compensation system in Kentucky with all
the attendant benefits to workers, businesses, and
the prospects for sustained economic development
for our great state.
David Snowden
Board Chairman
10

Awards & Honors
- Roger Fries has served on the Board of Directors for the Workers’ Compensation
Research Institute (WCRI) since 1996
- KEMI has been rated A- “Excellent” by A.M. Best since 2001
- KEMI Received the Award of Excellence from the Professional Insurance Agents
of Kentucky (PIAK) in 2001, 2003, and 2007
- In 2004, KEMI received the inaugural Top Business for Women Award by
Women Leading Kentucky
- KEMI was recognized by National Underwriter magazine in 2005 for its
underwriting discipline
- KEMI was chosen as one of the Best
Places to Work in Kentucky in 2006,
2008, 2009, and 2010
11

- In 2007, KEMI was ranked as one of the top 50 workers’ compensation insurance
companies in the nation in an independent study published in National Underwriter
magazine
- KEMI received the Central Kentucky Volunteer Award in 2007 from the United Way
of the Bluegrass in honor of its commitment to serving the non-profit community
- KEMI was honored nationally with the Alfred P. Sloan Award for Workplace
Flexibility in 2009, 2010, and 2011
- In 2010, KEMI was named to the prestigious list of Ward’s 50 top performing
property and casualty insurers
- KEMI was recognized in 2010 with the We CARE Award by Republic Bank for
service to the community
- KEMI was ranked #1 Nationally as a Best Place to Work in Insurance (amongst
small-sized property and casualty companies) by
Business Insurance magazine
- In 2011, the KEMI Mine Safety & Training Competition
was recognized as the largest annual mine safety
and training event in the nation
12

KEMI in the Community
Over the years, KEMI has invested a significant amount
of time, energy, and resources in building lasting
community partnerships. We understand that in order
to truly make a noticeable impact, we must not only
contribute as an organization, but we must also foster
a work environment that promotes and recognizes
active community participation and volunteerism on
an individual level for each of our employees.
To encourage community involvement and volunteer
work, KEMI has developed an Activities Committee
composed of a diverse group of employees. This
Committee is responsible for coordinating volunteer
opportunities, fundraisers, awareness campaigns, and
much more throughout each year. The Committee
also surveys employees and makes recommendations
regarding special contributions to organizations during
the holiday season or during times of local, national
or global crisis.
KEMI is also engaging the community through its
corporate wellness program, beWell@KEMI, where
KEMI employees can earn gift cards and other
recognition by participating in local walks and runs
which benefit the many non-profit organizations that
coordinate these events to raise support and
awareness.
Thanks to the significant contributions from our staff,
our commitment to serving the community has been
recognized with numerous awards and honors.
13
Here are just some of the organizations
KEMI has supported in recent years:
• All God’s Children
• American Diabetes Association
• American Heart Association
• Bluegrass Domestic Violence Program
• Bluegrass State Games
• Books As Bridges
• Carnegie Center for Literacy & Learning
• Catholic Action Center
• Chrysalis House
• Dare to Care Soup Kitchen
• Girls on the Run
• God’s Pantry
• Habitat for Humanity
• Homeless for the Holidays
• Junior League of Lexington Holly Day Market
• Kids’ Chance of Kentucky
• Lexington Clinic Foundation
• Lexington Hearing & Speech Center
• Lexington Humane Society
• Lions Club Walk for Sight
• March of Dimes
• Rolex 3-Day Event
• Ronald McDonald Charities of the Bluegrass
• Salvation Army
• Sayre Christian Village Nursing Home
• St. Vincent de Paul Food Bank
• United Way of the Bluegrass
• Women Leading Kentucky
• Woodford County Humane Society

Keeping the Promise
When KEMI started doing business, a promise was made to Kentucky to sustain financial stability in the everchanging
world of workers’ compensation insurance, to maintain strong claims reserves as a commitment to ensure
benefits for injured workers now and in the future, to deliver outstanding service and competitive pricing,
to educate businesses about workplace safety, and to make workers’ comp work.
KEMI is fulfilling that promise every day.
Our mission is to protect our policyholders, promote safer workplaces, preserve
our financial stability, and provide superior service to all our customers.
Our vision is for KEMI to be the workers’ compensation carrier
of choice for Kentucky businesses.
. . . . . . . . . . . . . . . . . . . . . . . . . . .
To see recent news from KEMI, view our current and past annual reports,
or access our diverse library of workplace safety resources, visit us at:
www.kemi.com
14

Kentucky Employers’ Mutual Insurance
250 W. Main Street, Suite 900
Lexington, KY 40507
www.kemi.com
2011