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Kentucky Casualty Insurance — Requirements & Free Practice

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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.

Business entity insurance agent — casualty line of authority

The entity holds its own casualty agent license and acts through licensed designated individuals; their licenses are applicant conditions for the entity.

Licensing authority: Department of Insurance · Application information

Business entity continuation under a commissioner conditional license order
No examination is required for this applicant pathway.
Application
Apply on Form 8301-BE or the uniform business entity application and pay applicable fees.
Commissioner Order
Comply with conditions imposed on the entity license under KRS 304.9-465.
Designation
Maintain at least one licensed designated individual for casualty authority and follow KRS 304.9-133; the initial individual holds one or more of the entity lines, additional designees have at least one insurer appointment, and each active line must have a licensed designee.
Licensed Individuals
Each officer, director, or member acting as an agent must be licensed; disclose officers and directors; designate a licensed agent responsible for compliance.
Practice
Exercise entity authority through designated individual licensees.

Official no-examination sources

Effective from 2026-07-15.

Restoration or relicensure after loss of designated individuals
No examination is required for this applicant pathway.
Application
Apply on Form 8301-BE or the uniform business entity application and pay applicable fees.
Designation
Maintain at least one licensed designated individual for casualty authority and follow KRS 304.9-133; the initial individual holds one or more of the entity lines, additional designees have at least one insurer appointment, and each active line must have a licensed designee.
Licensed Individuals
Each officer, director, or member acting as an agent must be licensed; disclose officers and directors; designate a licensed agent responsible for compliance.
Practice
Exercise entity authority through designated individual licensees.
Restoration
Restore the required licensed designation for an inactive casualty line; when the entity license terminated, reapply and qualify under KRS 304.9-130.
Termination
KRS 304.9-133(5) makes a line inactive without a licensed designee for that line and terminates the license when there is no designated licensed individual.

Official no-examination sources

Effective from 2026-07-15.

Licensure of a financial institution engaging in casualty agency activities
No examination is required for this applicant pathway.
Additional Duties
Comply with KRS 304.9-135 consumer disclosures, permitted information use, anti-tying restrictions and reporting, separate insurance/credit documentation, consent requirements, and records.
Application
Apply on Form 8301-BE or the uniform business entity application and pay applicable fees.
Designation
Maintain at least one licensed designated individual for casualty authority and follow KRS 304.9-133; the initial individual holds one or more of the entity lines, additional designees have at least one insurer appointment, and each active line must have a licensed designee.
Eligibility
A financial institution authorized by law to engage in insurance agency activities must qualify under all applicable ordinary licensing provisions.
Licensed Individuals
Each officer, director, or member acting as an agent must be licensed; disclose officers and directors; designate a licensed agent responsible for compliance.
Practice
Exercise entity authority through designated individual licensees.

Official no-examination sources

Effective from 2026-07-15.

Business entity late renewal within sixty days
No examination is required for this applicant pathway.
Designations
Maintain at least one licensed designated individual for casualty authority and follow KRS 304.9-133; the initial individual holds one or more of the entity lines, additional designees have at least one insurer appointment, and each active line must have a licensed designee.
Time Window
Commissioner may accept request and fee within 60 days after March 31 expiration with the applicable statutory penalty.

Official no-examination sources

Effective from 2026-07-15.

Nonresident business entity licensure outside reciprocal eligibility
No examination is required for this applicant pathway.
Application
Apply on Form 8301-BE or the uniform business entity application and pay applicable fees.
Designation
Maintain at least one licensed designated individual for casualty authority and follow KRS 304.9-133; the initial individual holds one or more of the entity lines, additional designees have at least one insurer appointment, and each active line must have a licensed designee.
Eligibility
Nonresident entity not eligible for issuance under KRS 304.9-140; satisfy KRS 304.9-130 resident-equivalent entity qualifications.
Licensed Individuals
Each officer, director, or member acting as an agent must be licensed; disclose officers and directors; designate a licensed agent responsible for compliance.
Practice
Exercise entity authority through designated individual licensees.

Official no-examination sources

Effective from 2026-07-15.

Nonresident business entity licensure by reciprocity
No examination is required for this applicant pathway.
Application
Apply on Form 8301-BE or the uniform business entity application and pay applicable fees.
Designation
Maintain at least one licensed designated individual for casualty authority and follow KRS 304.9-133; the initial individual holds one or more of the entity lines, additional designees have at least one insurer appointment, and each active line must have a licensed designee.
Home State License
Current resident business entity casualty license in good standing in a reciprocal home state; maintain it while Kentucky authority continues.
Licensed Individuals
Each officer, director, or member acting as an agent must be licensed; disclose officers and directors; designate a licensed agent responsible for compliance.
Practice
Exercise entity authority through designated individual licensees.

Official no-examination sources

Effective from 2026-07-15.

Biennial business entity renewal
No examination is required for this applicant pathway.
Designations
Maintain at least one licensed designated individual for casualty authority and follow KRS 304.9-133; the initial individual holds one or more of the entity lines, additional designees have at least one insurer appointment, and each active line must have a licensed designee.
Home State License
For a reciprocal nonresident entity, maintain its applicable home-state license.
Renewal
Submit prescribed request and applicable fees by March 31 of the next corresponding odd/even renewal year and each such biennium thereafter.

Official no-examination sources

Effective from 2026-07-15.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Apply on Form 8301-BE or the uniform business entity application and pay applicable fees.
Designation
Maintain at least one licensed designated individual for casualty authority and follow KRS 304.9-133; the initial individual holds one or more of the entity lines, additional designees have at least one insurer appointment, and each active line must have a licensed designee.
Licensed Individuals
Each officer, director, or member acting as an agent must be licensed; disclose officers and directors; designate a licensed agent responsible for compliance.
Practice
Exercise entity authority through designated individual licensees.
Residency
Kentucky is the entity home state.

Official no-examination sources

Effective from 2026-07-15.

Business entity relicensure after one revocation
No examination is required for this applicant pathway.
Application
Apply on Form 8301-BE or the uniform business entity application and pay applicable fees.
Designation
Maintain at least one licensed designated individual for casualty authority and follow KRS 304.9-133; the initial individual holds one or more of the entity lines, additional designees have at least one insurer appointment, and each active line must have a licensed designee.
Licensed Individuals
Each officer, director, or member acting as an agent must be licensed; disclose officers and directors; designate a licensed agent responsible for compliance.
Practice
Exercise entity authority through designated individual licensees.
Waiting Period
At least one year after revocation and full requalification under applicable law; twice-revoked entities are ineligible.

Official no-examination sources

Effective from 2026-07-15.

managing general agent

Entity managing-general-agent authority exercised through designated property and casualty agents.

Licensing authority: Kentucky Department of Insurance · Application information

Late specialty renewal within sixty days
No examination is required for this applicant pathway.
Time Window
Commissioner may accept renewal within 60 days after expiration with the prescribed penalty; applicable continuing education must have been completed before expiration.
Underlying Credentials
Maintain all underlying agent authority and required designated individuals.

Official no-examination sources

Effective from 2026-07-15.

Managing general agent nonresident initial licensure
No examination is required for this applicant pathway.
Application
File the applicable individual or business entity application and fees; maintain all applicable credential qualifications.
Residency
Kentucky nonresident specialty licensure; a reciprocal nonresident applicant must hold the same class in its home state.
Surplus Lines
An individual representing or using unauthorized insurers must additionally hold a surplus lines broker license.
Underlying Authority
All individuals acting under the entity license must be property-and-casualty-licensed agents designated under KRS 304.9-133.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-085

    KRS 304.9-085(1)-(2), license and complete qualifications

  • KRS 304-9-140

    KRS 304.9-140(1), reciprocal qualifications

  • KRS 304-9-140

    KRS 304.9-140(7), mandatory waiver of other requirements (passage 1)

  • KRS 304-9-140

    KRS 304.9-140(7), mandatory waiver of other requirements (passage 2)

Biennial specialty license renewal
No examination is required for this applicant pathway.
Continuing Education
Underlying resident agent licenses remain subject to applicable continuing education; holding a specialty license does not replace that obligation.
Renewal
Submit the prescribed request and applicable fees by the individual birth-month or entity March 31 biennial deadline under KRS 304.9-260.
Underlying Credentials
Maintain applicable property and casualty agent authority, licensed-individual designations, insurer appointments, and home-state licenses as required by the specialty statute.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-085

    KRS 304.9-085(1)-(2), license and complete qualifications

  • KRS 304-9-085

    KRS 304.9-085(5), renewal under ordinary law

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 1)

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 2)

Specialty license reissuance after lapse or loss of underlying authority
No examination is required for this applicant pathway.
Eligibility
Reapply under the specialty statute and again satisfy its complete qualifications after the license lapsed or terminated.
Underlying Credentials
Restore required held licenses, casualty authority, appointments, and designated individuals; these are licensure conditions rather than an implied examination of this specialty applicant.

Official no-examination sources

Effective from 2026-07-15.

Managing general agent resident initial licensure
No examination is required for this applicant pathway.
Application
File the applicable individual or business entity application and fees; maintain all applicable credential qualifications.
Residency
Kentucky resident specialty licensure; a reciprocal nonresident applicant must hold the same class in its home state.
Surplus Lines
An individual representing or using unauthorized insurers must additionally hold a surplus lines broker license.
Underlying Authority
All individuals acting under the entity license must be property-and-casualty-licensed agents designated under KRS 304.9-133.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-085

    KRS 304.9-085(1)-(2), license and complete qualifications

Specialty relicensure after one revocation
No examination is required for this applicant pathway.
Underlying Credentials
Again meet all specialty-license qualifications, including applicable held agent licenses and designees.
Waiting Period
At least one year after revocation and full requalification; twice-revoked individuals or entities are ineligible.

Official no-examination sources

Effective from 2026-07-15.

Surplus lines broker — business entity, property and casualty

Entity surplus-lines brokerage for property and casualty with designated individual licensees.

Licensing authority: Kentucky Department of Insurance · Application information

Late specialty renewal within sixty days
No examination is required for this applicant pathway.
Time Window
Commissioner may accept renewal within 60 days after expiration with the prescribed penalty; applicable continuing education must have been completed before expiration.
Underlying Credentials
Maintain all underlying agent authority and required designated individuals.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

  • KRS 304-9-260

    KRS 304.9-260(2), late renewal within sixty days

Nonresident surplus lines broker licensure outside reciprocal eligibility
No examination is required for this applicant pathway.
Application
Submit prescribed application and fees and maintain applicable licensed-individual designations when an entity.
Eligibility
Nonresident not eligible for issuance under KRS 304.9-140, but qualifying under KRS 304.10-120(1).
Fitness
Commissioner must deem applicant competent and trustworthy in handling surplus lines.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

Nonresident surplus lines broker licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the required individual or business entity application, fees, and disclosures.
Entity Designations
Entities maintain designated licensed individuals for their property and casualty surplus lines operations under KRS 304.9-133.
Home State License
Hold a resident surplus lines broker license in good standing in a reciprocal home state; maintain the applicable home-state license.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

  • KRS 304-9-140

    KRS 304.9-140(1), reciprocal qualifications

  • KRS 304-9-140

    KRS 304.9-140(7), mandatory waiver of other requirements (passage 1)

  • KRS 304-9-140

    KRS 304.9-140(7), mandatory waiver of other requirements (passage 2)

  • KRS 304-9-140

    KRS 304.9-140(4), nonresident surplus lines license

Biennial specialty license renewal
No examination is required for this applicant pathway.
Continuing Education
Underlying resident agent licenses remain subject to applicable continuing education; holding a specialty license does not replace that obligation.
Renewal
Submit the prescribed request and applicable fees by the individual birth-month or entity March 31 biennial deadline under KRS 304.9-260.
Underlying Credentials
Maintain applicable property and casualty agent authority, licensed-individual designations, insurer appointments, and home-state licenses as required by the specialty statute.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 1)

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 2)

Specialty license reissuance after lapse or loss of underlying authority
No examination is required for this applicant pathway.
Eligibility
Reapply under the specialty statute and again satisfy its complete qualifications after the license lapsed or terminated.
Underlying Credentials
Restore required held licenses, casualty authority, appointments, and designated individuals; these are licensure conditions rather than an implied examination of this specialty applicant.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

  • KRS 304-9-260

    KRS 304.9-260(1)(b), continuation until terminated

Resident property and casualty surplus lines broker licensure
No examination is required for this applicant pathway.
Application
Submit the prescribed application and fee.
Entity Designations
An entity must act through designated individuals holding the same kind of license under KRS 304.9-133.
Fitness
Commissioner must deem the applicant competent and trustworthy to handle surplus lines.
Residency
Kentucky resident.
Underlying Authority
Maintain an agent license with property and casualty authority; losing that authority terminates the resident surplus lines broker license.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

  • KRS 304-9-133

    KRS 304.9-133(1)-(2), entity license and same-kind designees

Specialty relicensure after one revocation
No examination is required for this applicant pathway.
Underlying Credentials
Again meet all specialty-license qualifications, including applicable held agent licenses and designees.
Waiting Period
At least one year after revocation and full requalification; twice-revoked individuals or entities are ineligible.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

  • KRS 304-9-450

    KRS 304.9-450(2), requalification after revocation

Insurance agent — casualty line of authority

Individual casualty authority under KRS 304.9-030(2)(d); resident and nonresident pathways, statutory exemptions, and continuation or restoration are kept separately.

Licensing authority: Kentucky Department of Insurance · Application information

Reactivation after withdrawing the continuing education affidavit
No examination is required for this applicant pathway.
Affidavit Withdrawal
Provide a signed written statement withdrawing the affidavit to remove restrictions on selling, soliciting, and negotiating.
Education
Complete the immediate preceding continuing education biennium requirements and provide certification.

Official no-examination sources

Effective from 2026-07-15.

Continuation subject to a commissioner conditional license order
No examination is required for this applicant pathway.
Commissioner Order
Comply with license conditions imposed under KRS 304.9-465, including restrictions based on the specified indictment, premium fiduciary complaints, or other professional-license suspension or revocation.
Existing License
Hold a qualifying casualty agent license; this is a restriction on the same license, not a separate examination identity.
Renewal
Continue applicable renewal and continuing education obligations.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-465

    KRS 304.9-465(1)-(4), conditional continuation

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 1)

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 2)

Agent licensure from current or recent same line Kentucky consultant authority
No examination is required for this applicant pathway.
Application
Submit Form 8301 or the uniform individual application, required documentation, and applicable fees under 806 KAR 9:025 Section 2(1). Kentucky home-state applicants require an AOC criminal background check.
Disciplinary Limitation
Previous consultant license must not have been revoked, suspended, or refused continuation except for failure to maintain financial responsibility under KRS 304.9-330.
Financial Responsibility
Maintain one of the alternatives in KRS 304.9-105(1)(f): insurer-backed errors and omissions coverage of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer-executed cash surety bond, or the specified exclusive-agent insurer responsibility agreement of at least $20,000 per occurrence.
Fitness
Must satisfy KRS 304.9-105(1)(c)-(d), including absence of disqualifying acts, trustworthiness, reliability, and good reputation; the commissioner may request additional information.
Military Spouse Fee Waiver
The Department Applicant Information page applies KRS 12.357 to spouses of active military members assigned to Kentucky; proof of marriage, assignment, and qualification or a valid other-jurisdiction individual insurance license is required. Paper application fees may be waived; third-party electronic fees are initially paid and refunded within 30 days on qualifying proof.
Minimum Age
At least 18 years old (KRS 304.9-105(1)(a)).
Prior License
Currently hold or held within the preceding 12 months a Kentucky consultant license for the same casualty authority.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-170

    KRS 304.9-170 opening, education and examination exemptions

  • KRS 304-9-170

    KRS 304.9-170 consultant-conversion (passage 1)

  • KRS 304-9-170

    KRS 304.9-170 consultant-conversion (passage 2)

  • KRS 304-9-105

    KRS 304.9-105(1)(a)-(f), individual applicant qualifications (passage 1)

  • KRS 304-9-105

    KRS 304.9-105(1)(a)-(f), individual applicant qualifications (passage 2)

  • 806 KAR 9:025 Licensing process

    806 KAR 9:025 Section 2(1), application prerequisites

  • apply

    Applicant Information, military spouse fee waiver and required proof

Restoration within twelve months after continuing education termination
No examination is required for this applicant pathway.
Application
Submit a new application with the attachments required by Section 2(1) and applicable fees.
Continuing Education
Satisfy delinquent continuing education requirements.
Time Window
License reissued within 12 months of termination.

Official no-examination sources

Effective from 2026-07-15.

Restricted continuation solely for renewal or deferred commissions
No examination is required for this applicant pathway.
Affidavit
Submit Form CE AFF 304 in support of the continuing education exemption.
Practice Restriction
Maintain the license solely to receive renewal or deferred commissions; do not sell, solicit, or negotiate new business while the exemption applies.
Renewal
Continue to meet applicable renewal requirements.

Official no-examination sources

Effective from 2026-07-15.

Relicensure after employment with the Department of Insurance
No examination is required for this applicant pathway.
Application
Submit Form 8301 or the uniform individual application, required documentation, and applicable fees under 806 KAR 9:025 Section 2(1). Kentucky home-state applicants require an AOC criminal background check.
Application Window
Apply to regain the same line within 12 months after termination of Department employment.
Financial Responsibility
Maintain one of the alternatives in KRS 304.9-105(1)(f): insurer-backed errors and omissions coverage of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer-executed cash surety bond, or the specified exclusive-agent insurer responsibility agreement of at least $20,000 per occurrence.
Fitness
Must satisfy KRS 304.9-105(1)(c)-(d), including absence of disqualifying acts, trustworthiness, reliability, and good reputation; the commissioner may request additional information.
Military Spouse Fee Waiver
The Department Applicant Information page applies KRS 12.357 to spouses of active military members assigned to Kentucky; proof of marriage, assignment, and qualification or a valid other-jurisdiction individual insurance license is required. Paper application fees may be waived; third-party electronic fees are initially paid and refunded within 30 days on qualifying proof.
Minimum Age
At least 18 years old (KRS 304.9-105(1)(a)).
Prior License
Previously held casualty authority surrendered to accept Department of Insurance employment.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-170

    KRS 304.9-170 opening, education and examination exemptions

  • KRS 304-9-170

    KRS 304.9-170 department-employee-return

  • KRS 304-9-105

    KRS 304.9-105(1)(a)-(f), individual applicant qualifications (passage 1)

  • KRS 304-9-105

    KRS 304.9-105(1)(a)-(f), individual applicant qualifications (passage 2)

  • 806 KAR 9:025 Licensing process

    806 KAR 9:025 Section 2(1), application prerequisites

  • apply

    Applicant Information, military spouse fee waiver and required proof

Initial licensure with a prelicensing education exemption
Casualty examination
Application
Submit Form 8301 or the uniform individual application, required documentation, and applicable fees under 806 KAR 9:025 Section 2(1). Kentucky home-state applicants require an AOC criminal background check.
Education Exemption
Hold CPCU, CIC, AAI, or ARM for casualty authority, or an insurance degree from an accredited college or university under KRS 304.9-107(1)(b), (c), (f), or (g). These exempt the prelicensing course; the casualty examination remains required unless KRS 304.9-170 separately applies.
Financial Responsibility
Maintain one of the alternatives in KRS 304.9-105(1)(f): insurer-backed errors and omissions coverage of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer-executed cash surety bond, or the specified exclusive-agent insurer responsibility agreement of at least $20,000 per occurrence.
Fitness
Must satisfy KRS 304.9-105(1)(c)-(d), including absence of disqualifying acts, trustworthiness, reliability, and good reputation; the commissioner may request additional information.
Military Spouse Fee Waiver
The Department Applicant Information page applies KRS 12.357 to spouses of active military members assigned to Kentucky; proof of marriage, assignment, and qualification or a valid other-jurisdiction individual insurance license is required. Paper application fees may be waived; third-party electronic fees are initially paid and refunded within 30 days on qualifying proof.
Minimum Age
At least 18 years old (KRS 304.9-105(1)(a)).
Residency
Kentucky resident applicant or a nonresident applicant not eligible for reciprocal licensing.
Requalification after the twelve month restoration period
Casualty examination
Application
Submit Form 8301 or the uniform individual application, required documentation, and applicable fees under 806 KAR 9:025 Section 2(1). Kentucky home-state applicants require an AOC criminal background check.
Expiration
Continuing education delinquency remains unsatisfied for 12 months or longer, or other inactive authority no longer qualifies for the recent-license exemption.
Financial Responsibility
Maintain one of the alternatives in KRS 304.9-105(1)(f): insurer-backed errors and omissions coverage of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer-executed cash surety bond, or the specified exclusive-agent insurer responsibility agreement of at least $20,000 per occurrence.
Fitness
Must satisfy KRS 304.9-105(1)(c)-(d), including absence of disqualifying acts, trustworthiness, reliability, and good reputation; the commissioner may request additional information.
Military Spouse Fee Waiver
The Department Applicant Information page applies KRS 12.357 to spouses of active military members assigned to Kentucky; proof of marriage, assignment, and qualification or a valid other-jurisdiction individual insurance license is required. Paper application fees may be waived; third-party electronic fees are initially paid and refunded within 30 days on qualifying proof.
Minimum Age
At least 18 years old (KRS 304.9-105(1)(a)).
Other Exemptions
Any independently applicable KRS 304.9-170 exemption remains an applicant condition; a former temporary license does not give the recent-license exemption.
Qualification
Complete applicable initial licensing requirements, including the casualty examination.
Reinstatement of lapsed license by payment within twelve months
No examination is required for this applicant pathway.
Application
Submit Form 8301 or the uniform individual application, required documentation, and applicable fees under 806 KAR 9:025 Section 2(1). Kentucky home-state applicants require an AOC criminal background check.
Financial Responsibility
Maintain one of the alternatives in KRS 304.9-105(1)(f): insurer-backed errors and omissions coverage of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer-executed cash surety bond, or the specified exclusive-agent insurer responsibility agreement of at least $20,000 per occurrence.
Fitness
Must satisfy KRS 304.9-105(1)(c)-(d), including absence of disqualifying acts, trustworthiness, reliability, and good reputation; the commissioner may request additional information.
Military Spouse Fee Waiver
The Department Applicant Information page applies KRS 12.357 to spouses of active military members assigned to Kentucky; proof of marriage, assignment, and qualification or a valid other-jurisdiction individual insurance license is required. Paper application fees may be waived; third-party electronic fees are initially paid and refunded within 30 days on qualifying proof.
Minimum Age
At least 18 years old (KRS 304.9-105(1)(a)).
Penalty
Pay the statutory penalty equal to double the unpaid renewal fee.
Same Authority
The Department issues a license with the same lines of authority as the lapsed license.
Time Window
Pay the overdue renewal fee within 12 months of its due date.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-170

    KRS 304.9-170 opening, education and examination exemptions

  • KRS 304-9-170

    KRS 304.9-170 lapsed-renewal-within-twelve-months

  • KRS 304-9-105

    KRS 304.9-105(1)(a)-(f), individual applicant qualifications (passage 1)

  • KRS 304-9-105

    KRS 304.9-105(1)(a)-(f), individual applicant qualifications (passage 2)

  • 806 KAR 9:025 Licensing process

    806 KAR 9:025 Section 2(1), application prerequisites

  • apply

    Applicant Information, military spouse fee waiver and required proof

Late renewal without interruption within sixty days
No examination is required for this applicant pathway.
Commissioner Discretion
Acceptance of late renewal without interruption is discretionary.
Continuing Education
Required courses must have been completed on or before the expiration date; proof may be received within 60 days.
Time Window
Commissioner may accept renewal request and fee within 60 days after expiration with the statutory late penalty.

Official no-examination sources

Effective from 2026-07-15.

Resident licensure after moving to Kentucky
No examination is required for this applicant pathway.
Application
Submit Form 8301 or the uniform individual application, required documentation, and applicable fees under 806 KAR 9:025 Section 2(1). Kentucky home-state applicants require an AOC criminal background check.
Application Window
Move to Kentucky and apply within 90 days of establishing legal residence for casualty authority previously held within those 12 months.
Commissioner Authority
The exemption is subject to contrary requirements established by the commissioner in an administrative regulation, as KRS 304.9-170(5) states.
Financial Responsibility
Maintain one of the alternatives in KRS 304.9-105(1)(f): insurer-backed errors and omissions coverage of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer-executed cash surety bond, or the specified exclusive-agent insurer responsibility agreement of at least $20,000 per occurrence.
Fitness
Must satisfy KRS 304.9-105(1)(c)-(d), including absence of disqualifying acts, trustworthiness, reliability, and good reputation; the commissioner may request additional information.
Military Spouse Fee Waiver
The Department Applicant Information page applies KRS 12.357 to spouses of active military members assigned to Kentucky; proof of marriage, assignment, and qualification or a valid other-jurisdiction individual insurance license is required. Paper application fees may be waived; third-party electronic fees are initially paid and refunded within 30 days on qualifying proof.
Minimum Age
At least 18 years old (KRS 304.9-105(1)(a)).
Prior License
Resident-licensed for casualty in another state within the preceding 12 months.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-170

    KRS 304.9-170 opening, education and examination exemptions

  • KRS 304-9-170

    KRS 304.9-170 new-resident-transfer

  • KRS 304-9-105

    KRS 304.9-105(1)(a)-(f), individual applicant qualifications (passage 1)

  • KRS 304-9-105

    KRS 304.9-105(1)(a)-(f), individual applicant qualifications (passage 2)

  • 806 KAR 9:025 Licensing process

    806 KAR 9:025 Section 2(1), application prerequisites

  • apply

    Applicant Information, military spouse fee waiver and required proof

Nonresident major casualty authority corresponding to a home state limited line
No examination is required for this applicant pathway.
Casualty Authority
This route applies only when Kentucky grants the casualty major line for that home-state limited authority under KRS 304.9-140(6).
Home State License
Hold a limited line of authority in the home state that Kentucky does not offer, and satisfy reciprocal nonresident requirements.
Limited Practice
Authority to place business remains limited to the extent permitted by the home-state limited-line license; a major-line label does not expand that authority.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-140

    KRS 304.9-140(1), reciprocal qualifications

  • KRS 304-9-140

    KRS 304.9-140(7), mandatory waiver of other requirements (passage 1)

  • KRS 304-9-140

    KRS 304.9-140(7), mandatory waiver of other requirements (passage 2)

  • KRS 304-9-140

    KRS 304.9-140(6), unavailable home-state limited line

Nonresident initial licensure outside reciprocal eligibility
Casualty examination
Application
Submit Form 8301 or the uniform individual application, required documentation, and applicable fees under 806 KAR 9:025 Section 2(1). Kentucky home-state applicants require an AOC criminal background check.
Eligibility
Nonresident who is not eligible for issuance under KRS 304.9-140, as provided in KRS 304.9-105(1)(b).
Financial Responsibility
Maintain one of the alternatives in KRS 304.9-105(1)(f): insurer-backed errors and omissions coverage of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer-executed cash surety bond, or the specified exclusive-agent insurer responsibility agreement of at least $20,000 per occurrence.
Fitness
Must satisfy KRS 304.9-105(1)(c)-(d), including absence of disqualifying acts, trustworthiness, reliability, and good reputation; the commissioner may request additional information.
Military Spouse Fee Waiver
The Department Applicant Information page applies KRS 12.357 to spouses of active military members assigned to Kentucky; proof of marriage, assignment, and qualification or a valid other-jurisdiction individual insurance license is required. Paper application fees may be waived; third-party electronic fees are initially paid and refunded within 30 days on qualifying proof.
Minimum Age
At least 18 years old (KRS 304.9-105(1)(a)).
Prelicensing Education
Complete the applicable approved casualty prelicensing course unless a statutory education exemption applies.
Statutory Exemption
An applicable KRS 304.9-170 exemption removes the need to sit the examination; the published casualty examination is otherwise the identified examination for this line.
Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the prescribed application or home-state application, fees, and required disclosures; not subject to denial under KRS 304.9-440.
Continuation
Maintain the applicable home-state license; its termination terminates the Kentucky nonresident license under KRS 304.9-140(8).
Home State License
Hold the same license class and casualty line of authority in the home state, currently resident-licensed and in good standing.
Reciprocity
Home state must award nonresident licenses to Kentucky residents on the same basis.

Official no-examination sources

Effective from 2026-07-15.

Biennial nonresident renewal
No examination is required for this applicant pathway.
Continuing Education
Home-state continuing education satisfies Kentucky exemption only when home state credits Kentucky residents on the same basis under KRS 304.9-295(3)(c). Otherwise satisfy applicable Kentucky continuing education.
Home State License
Maintain the same applicable home-state license.
Renewal
Submit the prescribed renewal request and applicable fee by the individual biennial due date.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 1)

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 2)

  • KRS 304-9-295

    KRS 304.9-295(3)-(4), exemptions and resident hours

  • KRS 304-9-140

    KRS 304.9-140(8), continued home-state license

Initial licensure with current or recently canceled same line authority
No examination is required for this applicant pathway.
Application
Submit Form 8301 or the uniform individual application, required documentation, and applicable fees under 806 KAR 9:025 Section 2(1). Kentucky home-state applicants require an AOC criminal background check.
Financial Responsibility
Maintain one of the alternatives in KRS 304.9-105(1)(f): insurer-backed errors and omissions coverage of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer-executed cash surety bond, or the specified exclusive-agent insurer responsibility agreement of at least $20,000 per occurrence.
Fitness
Must satisfy KRS 304.9-105(1)(c)-(d), including absence of disqualifying acts, trustworthiness, reliability, and good reputation; the commissioner may request additional information.
Military Spouse Fee Waiver
The Department Applicant Information page applies KRS 12.357 to spouses of active military members assigned to Kentucky; proof of marriage, assignment, and qualification or a valid other-jurisdiction individual insurance license is required. Paper application fees may be waived; third-party electronic fees are initially paid and refunded within 30 days on qualifying proof.
Minimum Age
At least 18 years old (KRS 304.9-105(1)(a)).
Prior License
Previously licensed for casualty in another state; currently licensed there, or application received within 90 days of cancellation with prior-state certification or NAIC database proof of good standing for the requested line.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-170

    KRS 304.9-170 opening, education and examination exemptions

  • KRS 304-9-170

    KRS 304.9-170 prior-other-jurisdiction-license

  • KRS 304-9-105

    KRS 304.9-105(1)(a)-(f), individual applicant qualifications (passage 1)

  • KRS 304-9-105

    KRS 304.9-105(1)(a)-(f), individual applicant qualifications (passage 2)

  • 806 KAR 9:025 Licensing process

    806 KAR 9:025 Section 2(1), application prerequisites

  • apply

    Applicant Information, military spouse fee waiver and required proof

Reissuance based on similar Kentucky authority within twelve months
No examination is required for this applicant pathway.
Application
Submit Form 8301 or the uniform individual application, required documentation, and applicable fees under 806 KAR 9:025 Section 2(1). Kentucky home-state applicants require an AOC criminal background check.
Disciplinary Limitation
The exemption is unavailable after revocation or suspension except for failure to meet continuing education requirements under KRS 304.9-295.
Financial Responsibility
Maintain one of the alternatives in KRS 304.9-105(1)(f): insurer-backed errors and omissions coverage of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer-executed cash surety bond, or the specified exclusive-agent insurer responsibility agreement of at least $20,000 per occurrence.
Fitness
Must satisfy KRS 304.9-105(1)(c)-(d), including absence of disqualifying acts, trustworthiness, reliability, and good reputation; the commissioner may request additional information.
Military Spouse Fee Waiver
The Department Applicant Information page applies KRS 12.357 to spouses of active military members assigned to Kentucky; proof of marriage, assignment, and qualification or a valid other-jurisdiction individual insurance license is required. Paper application fees may be waived; third-party electronic fees are initially paid and refunded within 30 days on qualifying proof.
Minimum Age
At least 18 years old (KRS 304.9-105(1)(a)).
Prior License
Held casualty authority under a similar Kentucky license, other than a temporary license, within 12 months before applying.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-170

    KRS 304.9-170 opening, education and examination exemptions

  • KRS 304-9-170

    KRS 304.9-170 recent-kentucky-license

  • KRS 304-9-105

    KRS 304.9-105(1)(a)-(f), individual applicant qualifications (passage 1)

  • KRS 304-9-105

    KRS 304.9-105(1)(a)-(f), individual applicant qualifications (passage 2)

  • 806 KAR 9:025 Licensing process

    806 KAR 9:025 Section 2(1), application prerequisites

  • apply

    Applicant Information, military spouse fee waiver and required proof

Conversion of an existing Kentucky nonresident license to resident status
No examination is required for this applicant pathway.
Application
Submit paper Form 8301, appropriate affirmative-background documentation, and an AOC criminal background report.
Existing License
Already hold a Kentucky nonresident casualty license and change residency to Kentucky.
Time Window
Department FAQ 18 waives conversion fees when the change is within 90 days of previous resident-state inactive status; the statutory new-resident exemption has its own 90-day legal-residence application window and prior-12-month licensure condition.

Official no-examination sources

Effective from 2026-07-15.

Resident initial licensure by examination
Casualty examination
Application
Submit Form 8301 or the uniform individual application, required documentation, and applicable fees under 806 KAR 9:025 Section 2(1). Kentucky home-state applicants require an AOC criminal background check.
Financial Responsibility
Maintain one of the alternatives in KRS 304.9-105(1)(f): insurer-backed errors and omissions coverage of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer-executed cash surety bond, or the specified exclusive-agent insurer responsibility agreement of at least $20,000 per occurrence.
Fitness
Must satisfy KRS 304.9-105(1)(c)-(d), including absence of disqualifying acts, trustworthiness, reliability, and good reputation; the commissioner may request additional information.
Military Spouse Fee Waiver
The Department Applicant Information page applies KRS 12.357 to spouses of active military members assigned to Kentucky; proof of marriage, assignment, and qualification or a valid other-jurisdiction individual insurance license is required. Paper application fees may be waived; third-party electronic fees are initially paid and refunded within 30 days on qualifying proof.
Minimum Age
At least 18 years old (KRS 304.9-105(1)(a)).
Other Lines
Only casualty authority is requested on this route; other separately requested lines have their own examination requirements.
Prelicensing Education
Complete a commissioner-approved 20-hour casualty course (40 hours for property and casualty when both lines are sought). The course completion is valid for one year and must be reported on Form CPL-01.
Residency
Designate Kentucky as home state and remain eligible to do so under KRS 304.9-120.
Biennial resident renewal
No examination is required for this applicant pathway.
Continuing Education
Complete 24 approved continuing education hours per biennium including three in ethics unless exempt under KRS 304.9-295(3); submit the required certification. Course-level assessments, including self-study examinations, are course completion conditions under 806 KAR 9:025 Section 5(1)(g), not identified licensing examinations.
Financial Responsibility
Maintain one of the alternatives in KRS 304.9-105(1)(f): insurer-backed errors and omissions coverage of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer-executed cash surety bond, or the specified exclusive-agent insurer responsibility agreement of at least $20,000 per occurrence.
Renewal
Submit the prescribed renewal request and applicable fee by the last day of the birth month in the applicable odd or even year corresponding to the birth year, after the first full-year qualification period.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 1)

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 2)

  • KRS 304-9-295

    KRS 304.9-295(3)-(4), exemptions and resident hours

Relicensure after one revocation
Casualty examination
Application
Submit Form 8301 or the uniform individual application, required documentation, and applicable fees under 806 KAR 9:025 Section 2(1). Kentucky home-state applicants require an AOC criminal background check.
Financial Responsibility
Maintain one of the alternatives in KRS 304.9-105(1)(f): insurer-backed errors and omissions coverage of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 insurer-executed cash surety bond, or the specified exclusive-agent insurer responsibility agreement of at least $20,000 per occurrence.
Fitness
Must satisfy KRS 304.9-105(1)(c)-(d), including absence of disqualifying acts, trustworthiness, reliability, and good reputation; the commissioner may request additional information.
Military Spouse Fee Waiver
The Department Applicant Information page applies KRS 12.357 to spouses of active military members assigned to Kentucky; proof of marriage, assignment, and qualification or a valid other-jurisdiction individual insurance license is required. Paper application fees may be waived; third-party electronic fees are initially paid and refunded within 30 days on qualifying proof.
Minimum Age
At least 18 years old (KRS 304.9-105(1)(a)).
Recent License Exemption
KRS 304.9-170(2) does not exempt a revoked license except when revocation was for continuing education failure; any other applicable statutory exemption must be independently satisfied.
Repeat Revocation
A person whose license was revoked twice is permanently ineligible under KRS 304.9-450(2).
Waiting Period
At least one year must have elapsed since revocation; applicant must again qualify under applicable law.

managing general agent

Specialty managing-general-agent authority dependent on an existing property and casualty agent license; held credentials do not imply a separate examination requirement.

Licensing authority: Kentucky Department of Insurance · Application information

Late specialty renewal within sixty days
No examination is required for this applicant pathway.
Time Window
Commissioner may accept renewal within 60 days after expiration with the prescribed penalty; applicable continuing education must have been completed before expiration.
Underlying Credentials
Maintain all underlying agent authority and required designated individuals.

Official no-examination sources

Effective from 2026-07-15.

Managing general agent nonresident initial licensure
No examination is required for this applicant pathway.
Application
File the applicable individual or business entity application and fees; maintain all applicable credential qualifications.
Residency
Kentucky nonresident specialty licensure; a reciprocal nonresident applicant must hold the same class in its home state.
Surplus Lines
An individual representing or using unauthorized insurers must additionally hold a surplus lines broker license.
Underlying Authority
Hold the applicable resident or nonresident Kentucky agent license with both property and casualty authority and appointments by each authorized insurer represented.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-085

    KRS 304.9-085(1)-(2), license and complete qualifications

  • KRS 304-9-140

    KRS 304.9-140(1), reciprocal qualifications

  • KRS 304-9-140

    KRS 304.9-140(7), mandatory waiver of other requirements (passage 1)

  • KRS 304-9-140

    KRS 304.9-140(7), mandatory waiver of other requirements (passage 2)

Biennial specialty license renewal
No examination is required for this applicant pathway.
Continuing Education
Underlying resident agent licenses remain subject to applicable continuing education; holding a specialty license does not replace that obligation.
Renewal
Submit the prescribed request and applicable fees by the individual birth-month or entity March 31 biennial deadline under KRS 304.9-260.
Underlying Credentials
Maintain applicable property and casualty agent authority, licensed-individual designations, insurer appointments, and home-state licenses as required by the specialty statute.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-085

    KRS 304.9-085(1)-(2), license and complete qualifications

  • KRS 304-9-085

    KRS 304.9-085(5), renewal under ordinary law

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 1)

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 2)

Specialty license reissuance after lapse or loss of underlying authority
No examination is required for this applicant pathway.
Eligibility
Reapply under the specialty statute and again satisfy its complete qualifications after the license lapsed or terminated.
Underlying Credentials
Restore required held licenses, casualty authority, appointments, and designated individuals; these are licensure conditions rather than an implied examination of this specialty applicant.

Official no-examination sources

Effective from 2026-07-15.

Managing general agent resident initial licensure
No examination is required for this applicant pathway.
Application
File the applicable individual or business entity application and fees; maintain all applicable credential qualifications.
Residency
Kentucky resident specialty licensure; a reciprocal nonresident applicant must hold the same class in its home state.
Surplus Lines
An individual representing or using unauthorized insurers must additionally hold a surplus lines broker license.
Underlying Authority
Hold the applicable resident or nonresident Kentucky agent license with both property and casualty authority and appointments by each authorized insurer represented.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-9-085

    KRS 304.9-085(1)-(2), license and complete qualifications

Specialty relicensure after one revocation
No examination is required for this applicant pathway.
Underlying Credentials
Again meet all specialty-license qualifications, including applicable held agent licenses and designees.
Waiting Period
At least one year after revocation and full requalification; twice-revoked individuals or entities are ineligible.

Official no-examination sources

Effective from 2026-07-15.

surplus lines broker

Specialty surplus-lines brokerage for property and casualty; life/health disability brokerage is outside this casualty scope.

Licensing authority: Kentucky Department of Insurance · Application information

Late specialty renewal within sixty days
No examination is required for this applicant pathway.
Time Window
Commissioner may accept renewal within 60 days after expiration with the prescribed penalty; applicable continuing education must have been completed before expiration.
Underlying Credentials
Maintain all underlying agent authority and required designated individuals.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

  • KRS 304-9-260

    KRS 304.9-260(2), late renewal within sixty days

Nonresident surplus lines broker licensure outside reciprocal eligibility
No examination is required for this applicant pathway.
Application
Submit prescribed application and fees and maintain applicable licensed-individual designations when an entity.
Eligibility
Nonresident not eligible for issuance under KRS 304.9-140, but qualifying under KRS 304.10-120(1).
Fitness
Commissioner must deem applicant competent and trustworthy in handling surplus lines.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

Nonresident surplus lines broker licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the required individual or business entity application, fees, and disclosures.
Entity Designations
Individual home-state licensed broker.
Home State License
Hold a resident surplus lines broker license in good standing in a reciprocal home state; maintain the applicable home-state license.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

  • KRS 304-9-140

    KRS 304.9-140(1), reciprocal qualifications

  • KRS 304-9-140

    KRS 304.9-140(7), mandatory waiver of other requirements (passage 1)

  • KRS 304-9-140

    KRS 304.9-140(7), mandatory waiver of other requirements (passage 2)

  • KRS 304-9-140

    KRS 304.9-140(4), nonresident surplus lines license

Biennial specialty license renewal
No examination is required for this applicant pathway.
Continuing Education
Underlying resident agent licenses remain subject to applicable continuing education; holding a specialty license does not replace that obligation.
Renewal
Submit the prescribed request and applicable fees by the individual birth-month or entity March 31 biennial deadline under KRS 304.9-260.
Underlying Credentials
Maintain applicable property and casualty agent authority, licensed-individual designations, insurer appointments, and home-state licenses as required by the specialty statute.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 1)

  • KRS 304-9-260

    KRS 304.9-260(1), exhaustive renewal requirements (passage 2)

Specialty license reissuance after lapse or loss of underlying authority
No examination is required for this applicant pathway.
Eligibility
Reapply under the specialty statute and again satisfy its complete qualifications after the license lapsed or terminated.
Underlying Credentials
Restore required held licenses, casualty authority, appointments, and designated individuals; these are licensure conditions rather than an implied examination of this specialty applicant.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

  • KRS 304-9-260

    KRS 304.9-260(1)(b), continuation until terminated

Resident property and casualty surplus lines broker licensure
No examination is required for this applicant pathway.
Application
Submit the prescribed application and fee.
Entity Designations
Individual applicant.
Fitness
Commissioner must deem the applicant competent and trustworthy to handle surplus lines.
Residency
Kentucky resident.
Underlying Authority
Maintain an agent license with property and casualty authority; losing that authority terminates the resident surplus lines broker license.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

Specialty relicensure after one revocation
No examination is required for this applicant pathway.
Underlying Credentials
Again meet all specialty-license qualifications, including applicable held agent licenses and designees.
Waiting Period
At least one year after revocation and full requalification; twice-revoked individuals or entities are ineligible.

Official no-examination sources

Effective from 2026-07-15.

  • KRS 304-10-120

    KRS 304.10-120(1)-(6), complete broker eligibility and underlying authority

  • KRS 304-9-450

    KRS 304.9-450(2), requalification after revocation

Temporary license as agent

Temporary casualty authority is limited to the lines held by the agent being replaced and to no more than 180 days.

Licensing authority: Kentucky Department of Insurance · Application information

Temporary licensure for surviving spouse or personal representative
No examination is required for this applicant pathway.
Applicant Category
Surviving spouse or court-appointed personal representative of a casualty-licensed agent who died or became mentally or physically disabled, to permit sale, recovery, or training/licensing of replacement personnel.
Application
File the required temporary-license application and fee.
Authority
Only the same lines held by the replaced agent, here casualty; may represent last-represented insurers without new appointments, but no additional insurer or kind of insurance.
Commissioner Discretion
Commissioner must deem the license necessary and may require a licensed-agent or insurer sponsor, limit authority, or revoke it to protect insureds and the public.
Controlled Business
Do not obtain the temporary license solely for controlled business; no insurance sale on the licensee own life or lives of relatives by blood or marriage.
Duration
No more than 180 days; no continuation after disposal of the business by its owner or personal representative.

Official no-examination sources

Effective from 2010-07-15.

Temporary licensure for an entity member or employee
No examination is required for this applicant pathway.
Applicant Category
Member or employee of a licensed business entity whose sole designated individual died or became disabled.
Application
File the required temporary-license application and fee.
Authority
Only the same lines held by the replaced agent, here casualty; may represent last-represented insurers without new appointments, but no additional insurer or kind of insurance.
Commissioner Discretion
Commissioner must deem the license necessary and may require a licensed-agent or insurer sponsor, limit authority, or revoke it to protect insureds and the public.
Controlled Business
Do not obtain the temporary license solely for controlled business; no insurance sale on the licensee own life or lives of relatives by blood or marriage.
Duration
No more than 180 days; no continuation after disposal of the business by its owner or personal representative.

Official no-examination sources

Effective from 2010-07-15.

Temporary licensure for the designee of an agent entering active military service
No examination is required for this applicant pathway.
Applicant Category
Designee of a casualty-licensed agent entering active service in the United States Armed Forces.
Application
File the required temporary-license application and fee.
Authority
Only the same lines held by the replaced agent, here casualty; may represent last-represented insurers without new appointments, but no additional insurer or kind of insurance.
Commissioner Discretion
Commissioner must deem the license necessary and may require a licensed-agent or insurer sponsor, limit authority, or revoke it to protect insureds and the public.
Controlled Business
Do not obtain the temporary license solely for controlled business; no insurance sale on the licensee own life or lives of relatives by blood or marriage.
Duration
No more than 180 days; no continuation after disposal of the business by its owner or personal representative.

Official no-examination sources

Effective from 2010-07-15.

Temporary licensure in another public interest circumstance
No examination is required for this applicant pathway.
Applicant Category
Another circumstance in which the commissioner determines temporary issuance best serves the public interest.
Application
File the required temporary-license application and fee.
Authority
Only the same lines held by the replaced agent, here casualty; may represent last-represented insurers without new appointments, but no additional insurer or kind of insurance.
Commissioner Discretion
Commissioner must deem the license necessary and may require a licensed-agent or insurer sponsor, limit authority, or revoke it to protect insureds and the public.
Controlled Business
Do not obtain the temporary license solely for controlled business; no insurance sale on the licensee own life or lives of relatives by blood or marriage.
Duration
No more than 180 days; no continuation after disposal of the business by its owner or personal representative.

Official no-examination sources

Effective from 2010-07-15.

Casualty examination

Provider
Kentucky Department of Insurance
Format
Computerized written examination
Passing score
70% correct answers
Examination outline
  • Unit 1 — Principles of Insurance (8%)
    • Risk
    • Managing Risk
    • Law of Large Numbers
    • Elements of Insurability
    • Elements of Insurability / Pure Risk, Speculative Risk
    • Elements of Insurability / Insurable Interest
    • Elements of Insurability / Other Elements of Insurability
    • Other Insurance Terms
    • Other Insurance Terms / Peril
    • Other Insurance Terms / Hazard
  • Unit 2 — The Insurance Contract (8%)
    • Elements of a Valid Contract
    • Elements of a Valid Contract / Offer and Acceptance
    • Elements of a Valid Contract / Consideration
    • Characteristics of an Insurance Contract
    • Characteristics of an Insurance Contract / Principle of Indemnity
    • Characteristics of an Insurance Contract / Personal
    • Characteristics of an Insurance Contract / Unilateral
    • Parts of the Insurance Contract
    • Parts of the Insurance Contract / Policy Organization
  • Unit 3 — Insurance Company Organization and Regulation (2%)
    • Types of Insurance Organizations
    • Types of Insurance Organizations / Stock and Mutual Companies
    • Insurance Company Organization
    • Insurance Company Organization / The Agent
    • Insurance Company Organization / Insurance Marketing Systems
    • Insurance Company Organization / Other Insurance Functions
    • Regulation
    • Regulation / Regulation and the Company
    • Regulation / Regulation and the Agent
  • Unit 4 — The Insurance Transaction (8%)
    • Application
    • Binders
    • Underwriting the Policy
    • Underwriting the Policy / Fair Credit Reporting Act
    • Rating the Policy
    • Rating the Policy / Judgment and Manual Rating
    • Certificate of Insurance
    • Misrepresentation, Concealment, and Fraud
    • Representations and Warranties
    • Waiver and Estoppel
    • Cancellation and Nonrenewal
  • Unit 6 — Introduction to Liability Insurance (8%)
    • Negligence
    • Negligence / Definition
    • Negligence / Establishing Negligence
    • Defenses Against Negligence
    • Defenses Against Negligence / Contributory and Comparative Negligence
    • Absolute Liability
    • Vicarious Liability
    • Liability Insurance
    • Liability Insurance / Third Party Losses
    • Liability Insurance / Insuring Agreement
    • Liability Insurance / Exclusions
    • Liability Insurance / Conditions
  • Unit 8 — Homeowners Insurance (4%)
    • Section II - Liability
    • Section II - Liability / Coverage E - Personal Liability
    • Section II - Liability / Coverage F - Medical Payments to Others
    • Section II - Liability / Exclusions
    • Section II - Liability / Additional Coverages
  • Unit 9 — Personal Auto Insurance (10%)
    • Definitions
    • Part A - Liability Coverage
    • Part A - Liability Coverage / Coverage
    • Part A - Liability Coverage / Who is an Insured
    • Part A - Liability Coverage / Supplementary Payments
    • Part A - Liability Coverage / Exclusions
    • Part B - Medical Payments Coverage
    • Part B - Medical Payments Coverage / Exclusions
    • Part C - Uninsured Motorists Coverage
    • Part C - Uninsured Motorists Coverage / Definition of Uninsured Motor Vehicle
    • Part C - Uninsured Motorists Coverage / Exclusions
    • Part C - Uninsured Motorists Coverage / Other Insurance
    • Part D - Coverage for Damage to Your Auto
    • Part D - Coverage for Damage to Your Auto / Coverage
    • Part D - Coverage for Damage to Your Auto / Transportation Expenses
    • Part D - Coverage for Damage to Your Auto / Exclusions
    • Parts E and F - Conditions
    • Underinsured Motorists Coverage
    • Personal Auto Policy Endorsements
  • Unit 10 — Miscellaneous Personal Insurance (4%)
    • Personal Watercraft Insurance
    • Personal Watercraft Insurance / Boatowners and Outboard Motor and Boat Policies
    • Personal Watercraft Insurance / Personal Yacht Policies
    • Personal Umbrella Insurance
    • Personal Umbrella Insurance / Coverage for Excluded Losses
  • Unit 11 — The Commercial Package Policy (4%)
    • Eligible Coverages
    • Common Policy Declarations
    • Common Policy Conditions
    • Common Policy Conditions / Cancellation
    • Common Policy Conditions / Changes, Premiums
    • Common Policy Conditions / Examination of Books and Records, Inspections, and Surveys
    • Common Policy Conditions / Transfer of Rights and Duties
  • Unit 12 — The Businessowners Policy (4%)
    • Eligibility, Policy Organization
    • Eligibility, Policy Organization / Ineligible Risks
    • Liability and Medical Expenses Coverage
    • Liability and Medical Expenses Coverage / Exclusions
    • Conditions
    • Endorsements
    • Endorsements / Hired Auto and Nonowned Auto Liability
  • Unit 15 — Commercial General Liability Insurance (8%)
    • Business Liability Exposures
    • Business Liability Exposures / Premises and Operations Exposure
    • Business Liability Exposures / Products - Completed Operations Exposure
    • Business Liability Exposures / Exposures Covered by Commercial General Liability Insurance
    • Commercial General Liability Coverage Part
    • Occurrence and Claims-Made Forms
    • Occurrence and Claims-Made Forms / Claims-Made Form
    • Coverage A - Bodily Injury and Property Damage Liability
    • Coverage A - Bodily Injury and Property Damage Liability / Coverage
    • Coverage A - Bodily Injury and Property Damage Liability / Exclusions
    • Coverage B - Personal and Advertising Injury Liability
    • Coverage C - Medical Payments
    • Coverage C - Medical Payments / Coverage
    • Limits of Insurance
    • Conditions
    • Conditions / Duties in the Event of Occurrence, Offense, Claim, or Suit
    • Conditions / Other Insurance
  • Unit 16 — Commercial Auto Insurance (4%)
    • Commercial Auto Coverage Part
    • Business Auto Coverage Form
    • Business Auto Coverage Form / Definitions
    • Business Auto Coverage Form / Covered Autos
    • Business Auto Coverage Form / Liability Coverage
    • Business Auto Coverage Form / Physical Damage Coverage
    • Garage Coverage Form
    • Garage Coverage Form / Liability Coverage
    • Garage Coverage Form / Garagekeeper Coverage
    • Garage Coverage Form / Physical Damage Coverage
    • Truckers Coverage Form
    • Truckers Coverage Form / Covered Autos
    • Truckers Coverage Form / Trailer Interchange Coverage
    • Motor Carrier Coverage Form
    • Motor Carrier Coverage Form / Motor Carrier Act of 1980
  • Unit 17 — Commercial Crime Insurance (2%)
    • Fidelity Bonds
    • Fidelity Bonds / Parties to a Bond
    • Fidelity Bonds / Types of Fidelity Bonds
  • Unit 18 — Workers' Compensation (10%)
    • Workers’ Compensation Laws
    • Workers’ Compensation Laws / Occupations Covered
    • Workers’ Compensation Laws / Benefits Provided
    • Workers’ Compensation Laws / Compensable Injuries
    • Workers’ Compensation Laws / Types of Disability
    • Workers’ Compensation Laws / Compulsory vs. Elective
    • Workers' Compensation and Employers Liability Policy
    • Workers' Compensation and Employers Liability Policy / Coverages
    • Workers' Compensation and Employers Liability Policy / Exclusions
  • Unit 19 — Miscellaneous Commercial Insurance (6%)
    • Farm Insurance
    • Aviation Insurance
    • Aviation Insurance / Liability Coverage
    • Professional Liability Insurance
    • Employment Practices Liability Insurance
    • Commercial Umbrella Insurance
    • Surety Bonds
    • Surety Bonds / Contract Bonds
    • Surety Bonds / Judicial Bonds
    • Federal Terrorism Risk Insurance Act of 2002 (Extension Act of 2007)
    • Federal Terrorism Risk Insurance Act of 2002 (Extension Act of 2007) / Background
  • Insurance Code — Kentucky Law (10%)
    • Scope, General Definitions, and Provisions KRS 304.1
    • Agent Licensing
    • Agent Licensing / Definitions KRS 304.9-020 to 051
    • Agent Licensing / Licensing Requirements KRS 304.9-080 to 120
    • Agent Licensing / Change of Address KRS 304.9-200
    • Agent Licensing / License Renewal KRS 304.9-260
    • Agent Licensing / Continuing Education KRS 304.9-295
    • Agent Licensing / Record Retention KRS 304.9-390
    • Agent Licensing / Suspension or Revocation of License KRS 304.9-440
    • Agent Licensing / Reporting of Criminal or Administrative Actions KRS 304.9-467
    • Agent Licensing / Prohibited Practices in Replacement or Repair of Automobile Glass; Penalties KRS 304.9-470
    • Surplus Lines KRS 304.10
    • Unfair Practices, Advertising, Illegal Inducements KRS 304.12-010 to 110
    • Unfair Claims Settlement Practices KRS 304.12-230
    • Auto Insurance Plan KRS 304.13-151
    • Insurance Contract KRS 304.14
    • Personal Auto Policies Declanation, Nonrenewal, and Cancellation KRS 304.20-040
    • Declination, Nonrenewal, and Cancellation KRS 304.20-300 to 350
    • Insurance Guaranty Fund KRS 304.36-030
    • Motor Vehicle Insurance No-Fault KRS 304.39
    • Insurance Fraud KRS 304.47-020
    • Conversion of Premium KRS 304.99-010
    • Workers' Compensation KRS 342
Examination sources