Kentucky continuous wage bonds.
From $100.

Kentucky requires newer construction and mineral employers to keep a wage-payment bond on file with the Education and Labor Cabinet under KRS 337.200. The amount equals your gross payroll at full capacity for four weeks — pricing is 2.5% of the bond amount, $100 minimum, calculated for you below. Enter that figure and apply for your exact price.

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Required under KRS 337.200 for construction and mineral employers in business in Kentucky under five consecutive years

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Amount equals your gross payroll operating at full capacity for four weeks — it scales with your workforce

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A quick soft credit check may apply — never a hard inquiry, no impact on your score — your price is 2.5% of the bond amount, $100 minimum

2.5%of the bond amount$100 minminimum premiumSoft pullnever affects your score

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How it works

Three steps to filed.

A continuous wage bond is a standard filing — enter your amount, consent to a soft pull, and file the Continuous Bond Form. Here is the whole thing:

TODAY · ONLINE

Apply online

Your business details, the bond amount your four-week payroll requires, and the effective date — plus a one-time consent to a soft credit pull.

RIGHT AWAY

Approved

Most are approved as soon as you apply. The credit check is a soft pull that never affects your score. If it needs a second look, one to two business days at most.

WHEN YOU PAY

File with the Education and Labor Cabinet

Pay online and receive the executed bond on the Labor Cabinet’s Continuous Bond Form, ready to file. Wet-ink originals mailed whenever the Cabinet insists.

About this bond

What it is and who needs it.

What the continuous wage bond actually guarantees

Kentucky’s wage-and-hour law, KRS 337.200, requires a performance bond to be kept on file by employers engaged in construction work or the severance, preparation, or transportation of minerals who have done business in the Commonwealth for less than five consecutive years. It is administered by the Education and Labor Cabinet (formerly the Labor Cabinet).

The bond guarantees that workers actually get paid. Its amount equals the employer’s gross payroll operating at full capacity for four weeks. An employee whose wages are secured by the bond can, on presenting a final court judgment to the commissioner, recover unpaid wages, liquidated damages, and attorney’s fees from the bond.

The bond is a continuous filing — it stays in place until the employer has been in business five years, or until the commissioner approves termination on a sworn statement that the employer has stopped doing business in the state and paid all wages due. It is not insurance for the employer — if the surety pays a claim, the employer repays the surety.

KRS 337.200 (Education and Labor Cabinet)KRS 337.200 requires a continuous performance bond, on the Labor Cabinet’s Continuous Bond Form, from employers engaged in construction work or the severance, preparation, or transportation of minerals who have done business in Kentucky for less than five consecutive years. The bond equals the employer’s gross payroll operating at full capacity for four weeks and secures payment of wages, liquidated damages, and attorney’s fees. Confirm your required amount with the Education and Labor Cabinet.

You need this bond if you are

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A construction employer that has done business in Kentucky for under five consecutive years

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A mineral operator in severance, preparation, or transportation of minerals, newer to the Commonwealth

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Newly registered in Kentucky and bringing a construction or mining workforce into the state

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Renewing a continuous bond until you reach the five-year mark or cease doing business here

One application, soft pull only.

These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and the executed bond is issued when you pay.

Start the application →

FAQ

Common questions.

How much is the Kentucky continuous wage bond?Pricing is 2.5% of the bond amount, with a $100 minimum. The bond amount itself equals your gross payroll operating at full capacity for four weeks, so it scales with your workforce. Enter that figure and apply to see your exact price.

Who has to post it?Under KRS 337.200, construction employers and mineral employers (severance, preparation, or transportation of minerals) that have done business in Kentucky for less than five consecutive years. Once you pass five years, the requirement generally ends.

Is there a credit check?A quick soft credit check may apply as part of approval — never a hard inquiry, no impact on your score. Your price is set by the bond amount: 2.5%, $100 minimum.

What does the bond protect?Workers’ wages. An employee whose wages are secured by the bond can recover unpaid wages, liquidated damages, and attorney’s fees from it on presenting a final court judgment to the commissioner — and if the surety pays, you repay the surety.

When can the bond be terminated?With the commissioner’s approval, on a sworn statement that the employer has ceased doing business in the state and that all wages due have been paid — or once you have been in business in Kentucky for five consecutive years.

Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.

How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.

Related bonds

Other Kentucky bonds.

Continuous wage bond, sorted today.

Priced at 2.5% of the bond amount, $100 minimum, one soft pull that never affects your score. Enter your four-week payroll and file the Continuous Bond Form.

Start application

Your premiumfrom $100

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