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Kentucky Claims Adjuster — License Examination Requirements

US-KY · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Apprentice Adjuster License

Temporary, nonrenewable supervised apprentice adjuster license, not exceeding twelve months. New public-adjuster-supervised apprentices are prohibited for two years beginning April 13, 2026.

Licensing authority: Kentucky Department of Insurance · Application information

Temporary apprentice licensure under a independent adjuster
No examination is required for this applicant pathway.
Application
Uniform application, truthful disclosures, good reputation, no disqualifying act, and prescribed fees.
Compensation
Salaried or hourly compensation only, subject to the statutory employment requirements.
Experience
Meets adjuster qualifications except sufficient loss-claim experience, education, or training.
Public Supervision Restriction
No new apprentice license supervised by a public adjuster for two years beginning April 13, 2026.
Residency
At least eighteen, Kentucky resident, Kentucky home-state designation, and in-state business or mailing address for service.
Scope
Claims in Kentucky only, subject to supervising adjuster review and final determination.
Supervision
Supervising licensed independent adjuster with matching lines attests to training, direction, control, and responsibility. Full-time salaried employment and supervised claim activity are required.
Term
At most twelve months, nonrenewable; only one temporary apprentice license, subject to 806 KAR 9:030 Section 2’s provision permitting another apprenticeship after an ordinary adjuster license has intervened.

Official no-examination sources

Effective from 2026-04-13.

Temporary apprentice licensure under a staff adjuster
No examination is required for this applicant pathway.
Application
Uniform application, truthful disclosures, good reputation, no disqualifying act, and prescribed fees.
Compensation
Salaried or hourly compensation only, subject to the statutory employment requirements.
Experience
Meets adjuster qualifications except sufficient loss-claim experience, education, or training.
Public Supervision Restriction
No new apprentice license supervised by a public adjuster for two years beginning April 13, 2026.
Residency
At least eighteen, Kentucky resident, Kentucky home-state designation, and in-state business or mailing address for service.
Scope
Claims in Kentucky only, subject to supervising adjuster review and final determination.
Supervision
Supervising licensed staff adjuster with matching lines attests to training, direction, control, and responsibility. Full-time salaried employment and supervised claim activity are required.
Term
At most twelve months, nonrenewable; only one temporary apprentice license, subject to 806 KAR 9:030 Section 2’s provision permitting another apprenticeship after an ordinary adjuster license has intervened.

Official no-examination sources

Effective from 2026-04-13.

Temporary Emergency Independent or Staff Adjuster Registration

Temporary emergency adjuster registration following a catastrophe declared in Kentucky, normally not exceeding ninety days.

Licensing authority: Kentucky Department of Insurance · Application information

Temporary catastrophe registration as emergency independent adjuster
No examination is required for this applicant pathway.
Catastrophe
Catastrophe declared in Kentucky.
Form
Insurer submits Form 8307 under 806 KAR 9:030 Section 3.
Notice
Insurer notifies the commissioner within five days of deployment using the prescribed information, including individual name and Social Security number, insurer, catastrophe/loss-control number, event name and date, and any requested information.
Qualification
Otherwise qualified individual not already licensed in Kentucky, acting on behalf of the insurer.
Term
No more than ninety days unless extended by the commissioner.

Official no-examination sources

Effective from 2026-04-13.

  • KRS 304.9-430

    KRS 304.9-430(13), complete temporary emergency registration conditions

  • 806 KAR 9:030

    806 KAR 9:030 Section 3, catastrophe form

Temporary catastrophe registration as emergency staff adjuster
No examination is required for this applicant pathway.
Catastrophe
Catastrophe declared in Kentucky.
Form
Insurer submits Form 8307 under 806 KAR 9:030 Section 3.
Notice
Insurer notifies the commissioner within five days of deployment using the prescribed information, including individual name and Social Security number, insurer, catastrophe/loss-control number, event name and date, and any requested information.
Qualification
Otherwise qualified individual not already licensed in Kentucky, acting on behalf of the insurer.
Term
No more than ninety days unless extended by the commissioner.

Official no-examination sources

Effective from 2026-04-13.

  • KRS 304.9-430

    KRS 304.9-430(13), complete temporary emergency registration conditions

  • 806 KAR 9:030

    806 KAR 9:030 Section 3, catastrophe form