The Kentucky Employers Application For Permission To Carry His Own Risk Without Insurance is a document that employers in the state of Kentucky must complete in order to obtain authorization from the state to be self-insured and assume responsibility for their own financial risks and obligations. This application is used by employers who are not able to obtain insurance coverage from traditional sources. It includes information on the employer’s business, the risks associated with the business, and the employer’s financial resources. The application must be approved by the Kentucky Department of Insurance before an employer can be self-insured. There are two types of Kentucky Employers Application For Permission To Carry His Own Risk Without Insurance: the Standard Employer Application and the Excess Liability Employer Application. The Standard Employer Application is for employers who are looking to self-insure their entire business, while the Excess Liability Employer Application is for those looking to self-insure specific areas of their business such as workers’ compensation and liability.