Workers' Comp Insurance

The Kentucky AGC Self Insurers’ Fund, which is the workers’ compensation insurance fund endorsed by the HBAK, is designed to save you money on your annual premiums. For the past 40 years, contractors have relied on The Fund for its WC coverage, risk control services and claim handling expertise.

In 2023, over $25 million was returned to eligible members in 2023 and has returned over $260 million in total to members since 1994. 

Financial Stability
In 1998, the Fund was the first self-insurers' group in the nation to apply for, and the first in Kentucky to earn, a coveted A.M. Best Rating of A-, "Excellent." Furthermore, the Kentucky AGC/SIF has maintained its A- rating each and every year since 1998.
Commitment to Members
Our approach in everything we do is to consider the best interest of our policyholders and agents, and to maintain the financial stability of The Fund. We exist to provide a valuable services and want to be the preferred choice for workers’ compensation coverage.
- Exceptional customer service
- Value through association engagement
- Improve and advance the safety operations of contractors
- Support our agent and broker partnerships
Facts about The Fund
- 29 consecutive years of dividends paid out to qualifying members
- Member dividend payment for 2023 totaled $25.8 million
- Rated A- / Excellent by A.M. Best
- Strong contractor association partnerships
- Flexible premium payment options (monthly or annual)
- Competitive rates
- Focused industry expertise

Please contact your Agent or the Fund office at (502) 415-7878 for additional information. Or apply online for a quick quote.

Visit the official Kentucky AGC/SIF web site at

Contact the fund at


The Home Builders Association of Kentucky (HBAK) is a voluntary, statewide trade association representing over 4,000 member firms and 30,000 employees in the housing and building industry throughout the Commonwealth.