FAQs

General Questions

Must we cover owners or corporate officers of the company by workers' compensation insurance?

Individual owners or partners of a bona fide partnership are exempt from coverage. They may be covered with proper notification. Corporate officers are automatically included for coverage. They may be excluded from premium charges and coverage by proper filing of the special Kentucky Form 4.  To receive a Form 4, contact the Department of Workers' Claims, Enforcement Division, at 1-800-731-5241.

Who must be covered by workers' compensation insurance?

Employers who have even one part-time employee are subject to coverage and must provide workers' compensation protection to that employee. Exempt from coverage are agricultural employees, domestic employees in private homes where there are less than two full-time domestic employees, persons employed by homeowners for residential maintenance and repair for up to twenty (20) consecutive days, persons who work only in return for aid or sustenance from charitable organizations, persons who are participating in a carpool for transportation to and from work, partners of a bona fide partnership, and certain employees protected by the laws of the United States.

What is ClearPath Mutual's minimum premium?

$500 for most classifications.

What is ClearPath Mutual's underwriting requirement for a prospective insured's number of years in business?

The prospective insured must have been in business for more than 3 years with prior workers' compensation coverage.

What is ClearPath Mutual's A.M. Best rating?

As a new mutual insurance company, ClearPath Mutual is in the process of seeking an A.M. Best rating.

What information do I need to provide to get a quote?

For traditional quote submissions, ClearPath Mutual requires:
• Completed Acord applications - both commercial and workers' compensation
• Loss runs for the current policy year and three (3) preceding years - loss runs should have current valuation dates

How do I bind coverage?

Notify ClearPath Mutual by the effective date of coverage. Notification may be by mail, fax, phone, or email. Backdating is not allowed. You should collect a check for the down payment from the policyholder.

Does ClearPath Mutual offer a premium installment plan?

Yes.  Depending on the size of premium, we offer annual, semi-annual, quarterly, and monthly (25% down and 9 equal installments) plans.

What is ClearPath Mutual's business address, phone and fax numbers?

200 Executive Park 
Louisville, KY 40207
(800) 367-5372
(502) 894-8484
(502) 894-0066 (fax)