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Kentucky Property & Casualty Insurance — Requirements & Free Practice

US-KY · License preparation

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Insurance Agent License — Property and Casualty

An individual agent license with property, casualty, or both lines selected under KRS 304.9-030. Kentucky requires a separate examination for each selected major line. Restricted forms and specialty producer licenses are recorded separately.

Licensing authority: Kentucky Department of Insurance · Application information

Requalification after CE delinquency for at least 12 months — both

All of the following:

Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Continuing education
CE delinquency remains unsatisfied for at least 12 months.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Line selection
Apply for property and casualty.
Other exemptions
A separately applicable statutory exemption remains available when its conditions are met.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Requalification after CE delinquency for at least 12 months — casualty
Kentucky Casualty examination (insurance licensing)
Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Continuing education
CE delinquency remains unsatisfied for at least 12 months.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Line selection
Apply for casualty only.
Other exemptions
A separately applicable statutory exemption remains available when its conditions are met.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Requalification after CE delinquency for at least 12 months — property
Property examination (practice unavailable)
Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Continuing education
CE delinquency remains unsatisfied for at least 12 months.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Line selection
Apply for property only.
Other exemptions
A separately applicable statutory exemption remains available when its conditions are met.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Reissue after continuing education termination within 12 months
No examination is required for this applicant pathway.
Application
Submit a new application, required Section 2(1) attachments and applicable fees.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Continuing education
Satisfy the delinquent continuing education requirements.
Window
The similar Kentucky license was held within 12 months and termination was for continuing education noncompliance.

Official no-examination sources

Effective from 2026-07-15.

Continue license solely to receive renewals or deferred commissions
No examination is required for this applicant pathway.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Renewal
Comply with applicable license renewal procedures; the affidavit does not authorize new sales, solicitation or negotiation.
Restriction
Maintain the license solely for renewals or deferred commissions and submit the supporting affidavit to receive the CE exemption.

Official no-examination sources

Effective from 2026-07-15.

Agent licensing based on a Kentucky consultant license
No examination is required for this applicant pathway.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Consultant license
Currently licensed in Kentucky as consultant for the same line(s), or so licensed within 12 months before application.
Eligibility
No revocation, suspension or refusal of continuation except for failure to maintain financial responsibility under KRS 304.9-330.

Official no-examination sources

Effective from 2026-07-15.

Initial licensing by examination — both

All of the following:

Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Line selection
Apply for both property and casualty lines.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Initial licensing by examination — casualty
Kentucky Casualty examination (insurance licensing)
Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Line selection
Apply for the casualty line only.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Initial licensing by examination — property
Property examination (practice unavailable)
Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Line selection
Apply for the property line only.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Reinstatement of an individual license within 12 months
No examination is required for this applicant pathway.
Application
The Department FAQ requires a new license application, applicable fees, current CE if applicable, and a new AOC report if applicable; insurers must reappoint the reinstated licensee.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Penalty
A penalty of double the unpaid renewal fee applies.
Scope
The Department issues the same lines as the lapsed license.
Window
Pay the license renewal fee within 12 months from its due date.

Official no-examination sources

Effective from 2026-07-15.

Requalification after lapse beyond 12 months — both

All of the following:

Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Inactivity
The 12-month lapse exemption no longer applies.
Line selection
Apply for property and casualty.
Other exemptions
A separately applicable statutory exemption remains available when its conditions are met.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Requalification after lapse beyond 12 months — casualty
Kentucky Casualty examination (insurance licensing)
Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Inactivity
The 12-month lapse exemption no longer applies.
Line selection
Apply for casualty only.
Other exemptions
A separately applicable statutory exemption remains available when its conditions are met.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Requalification after lapse beyond 12 months — property
Property examination (practice unavailable)
Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Inactivity
The 12-month lapse exemption no longer applies.
Line selection
Apply for property only.
Other exemptions
A separately applicable statutory exemption remains available when its conditions are met.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Resident licensing after relocation
No examination is required for this applicant pathway.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Previous license
Resident producer license for the same lines was held elsewhere within the last 12 months.
Regulatory exception
The statutory exemption applies except as otherwise established by the commissioner in an administrative regulation; the current 806 KAR 9:025 preserves the KRS 304.9-170 exemption.
Residency window
Move to Kentucky and apply within 90 days after establishing residence.

Official no-examination sources

Effective from 2026-07-15.

Nonresident recognition of a limited line not offered in Kentucky
No examination is required for this applicant pathway.
Application
Submit the home-state application or applicable uniform application and pay the applicable fees; no ground for denial under KRS 304.9-440.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Continuation
Maintain the home-state license; termination of it terminates the Kentucky nonresident license under KRS 304.9-140(8).
Home state license
Hold the same license class and requested line(s) as a resident in good standing in the home state.
Reciprocity
The home state awards Kentucky residents nonresident licenses on the same basis.
Scope
Receive the corresponding nonresident major line only to the extent permitted by the home-state limited-line authority; this route does not confer unrestricted P&C authority.

Official no-examination sources

Effective from 2026-07-15.

Licensing with an existing or recently cancelled license elsewhere
No examination is required for this applicant pathway.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Good standing
For the cancellation branch, certification or the NAIC-maintained licensing database establishes good standing as required by KRS 304.9-170(4).
Previous license
Previously licensed for the same lines elsewhere and currently licensed there, or apply within 90 days of cancellation.

Official no-examination sources

Effective from 2026-07-15.

Reactivate selling authority after withdrawing the continuing education exemption
No examination is required for this applicant pathway.
Affidavit
Submit a signed written statement withdrawing the affidavit; restrictions against selling, soliciting and negotiating are removed.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Continuing education
Complete the immediately preceding biennium's CE and provide completion certification.

Official no-examination sources

Effective from 2026-07-15.

Relicensing after recent Kentucky license
No examination is required for this applicant pathway.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Eligibility
Not eligible if the previous license was revoked or suspended for a reason other than failure to satisfy continuing education.
Previous license
A similar nontemporary Kentucky license for the same requested line(s) was held within the 12 months before application.

Official no-examination sources

Effective from 2026-07-15.

Nonresident licensing by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state application or applicable uniform application and pay the applicable fees; no ground for denial under KRS 304.9-440.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Continuation
Maintain the home-state license; termination of it terminates the Kentucky nonresident license under KRS 304.9-140(8).
Home state license
Hold the same license class and requested line(s) as a resident in good standing in the home state.
Reciprocity
The home state awards Kentucky residents nonresident licenses on the same basis.

Official no-examination sources

Effective from 2026-07-15.

Biennial renewal and timely late renewal
No examination is required for this applicant pathway.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Continuing education
Complete 24 approved CE hours per biennium, including three ethics hours, unless exempt under KRS 304.9-295(3); complete by the compliance date and report within 60 days. If a chosen course requires a written examination, pass that course examination to receive credit. The statute identifies no separate named licensing examination for renewal.
Deadline
Individuals renew by the last day of their birth month in the applicable odd/even year; business entities renew by March 31 in the applicable odd/even year.
Late renewal
Within 60 days of expiration, a renewal request and fees may be accepted without interruption with the statutory penalty.
Renewal
Request renewal in the form prescribed by the commissioner and pay required fees by the applicable biennial deadline.
Waiver
Military service, long-term medical disability or other extenuating circumstances may support a written request for waiver of renewal procedures or any examination requirement or sanction for noncompliance (KRS 304.9-260(3)).

Official no-examination sources

Effective from 2026-07-15.

Relicensing after Department employment
No examination is required for this applicant pathway.
Application window
Apply within 12 months after that employment ends.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Previous license
The same line license was surrendered to accept Department of Insurance employment.

Official no-examination sources

Effective from 2026-07-15.

Requalification after revocation — both

All of the following:

Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Line selection
Apply for property and casualty.
Other exemptions
A separately applicable statutory exemption remains available when its conditions are met.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Revocation
At least one year must elapse after revocation; the applicant must again qualify. Two revocations bar any further license.
Requalification after revocation — casualty
Kentucky Casualty examination (insurance licensing)
Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Line selection
Apply for casualty only.
Other exemptions
A separately applicable statutory exemption remains available when its conditions are met.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Revocation
At least one year must elapse after revocation; the applicant must again qualify. Two revocations bar any further license.
Requalification after revocation — property
Property examination (practice unavailable)
Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Line selection
Apply for property only.
Other exemptions
A separately applicable statutory exemption remains available when its conditions are met.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Revocation
At least one year must elapse after revocation; the applicant must again qualify. Two revocations bar any further license.

Insurance Agent License — Personal Lines

Restricted property and casualty coverage sold to individuals and families for primarily noncommercial purposes.

Licensing authority: Kentucky Department of Insurance · Application information

Requalification after CE delinquency for at least 12 months
Kentucky — Property and casualty personal lines examination
Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Continuing education
CE delinquency remains unsatisfied for at least 12 months; apply and satisfy all licensing requirements.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Reissue after continuing education termination within 12 months
No examination is required for this applicant pathway.
Application
Submit a new application, required Section 2(1) attachments and applicable fees.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Continuing education
Satisfy the delinquent continuing education requirements.
Window
The similar Kentucky license was held within 12 months and termination was for continuing education noncompliance.

Official no-examination sources

Effective from 2026-07-15.

Continue license solely to receive renewals or deferred commissions
No examination is required for this applicant pathway.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Renewal
Comply with applicable license renewal procedures; the affidavit does not authorize new sales, solicitation or negotiation.
Restriction
Maintain the license solely for renewals or deferred commissions and submit the supporting affidavit to receive the CE exemption.

Official no-examination sources

Effective from 2026-07-15.

Agent licensing based on a Kentucky consultant license
No examination is required for this applicant pathway.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Consultant license
Currently licensed in Kentucky as consultant for the same line(s), or so licensed within 12 months before application.
Eligibility
No revocation, suspension or refusal of continuation except for failure to maintain financial responsibility under KRS 304.9-330.

Official no-examination sources

Effective from 2026-07-15.

Initial licensing by examination
Kentucky — Property and casualty personal lines examination
Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Line selection
Apply for the personal lines authority; prelicensing is 20 hours for this single line.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Reinstatement of an individual license within 12 months
No examination is required for this applicant pathway.
Application
The Department FAQ requires a new license application, applicable fees, current CE if applicable, and a new AOC report if applicable; insurers must reappoint the reinstated licensee.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Penalty
A penalty of double the unpaid renewal fee applies.
Scope
The Department issues the same lines as the lapsed license.
Window
Pay the license renewal fee within 12 months from its due date.

Official no-examination sources

Effective from 2026-07-15.

Requalification after lapse beyond 12 months
Kentucky — Property and casualty personal lines examination
Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Inactivity
The 12-month lapse exemption no longer applies.
Other exemptions
A separately applicable statutory exemption remains available when its conditions are met.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Resident licensing after relocation
No examination is required for this applicant pathway.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Previous license
Resident producer license for the same lines was held elsewhere within the last 12 months.
Regulatory exception
The statutory exemption applies except as otherwise established by the commissioner in an administrative regulation; the current 806 KAR 9:025 preserves the KRS 304.9-170 exemption.
Residency window
Move to Kentucky and apply within 90 days after establishing residence.

Official no-examination sources

Effective from 2026-07-15.

Licensing with an existing or recently cancelled license elsewhere
No examination is required for this applicant pathway.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Good standing
For the cancellation branch, certification or the NAIC-maintained licensing database establishes good standing as required by KRS 304.9-170(4).
Previous license
Previously licensed for the same lines elsewhere and currently licensed there, or apply within 90 days of cancellation.

Official no-examination sources

Effective from 2026-07-15.

Reactivate selling authority after withdrawing the continuing education exemption
No examination is required for this applicant pathway.
Affidavit
Submit a signed written statement withdrawing the affidavit; restrictions against selling, soliciting and negotiating are removed.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Continuing education
Complete the immediately preceding biennium's CE and provide completion certification.

Official no-examination sources

Effective from 2026-07-15.

Relicensing after recent Kentucky license
No examination is required for this applicant pathway.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Eligibility
Not eligible if the previous license was revoked or suspended for a reason other than failure to satisfy continuing education.
Previous license
A similar nontemporary Kentucky license for the same requested line(s) was held within the 12 months before application.

Official no-examination sources

Effective from 2026-07-15.

Nonresident licensing by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state application or applicable uniform application and pay the applicable fees; no ground for denial under KRS 304.9-440.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Continuation
Maintain the home-state license; termination of it terminates the Kentucky nonresident license under KRS 304.9-140(8).
Home state license
Hold the same license class and requested line(s) as a resident in good standing in the home state.
Reciprocity
The home state awards Kentucky residents nonresident licenses on the same basis.

Official no-examination sources

Effective from 2026-07-15.

Biennial renewal and timely late renewal
No examination is required for this applicant pathway.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Continuing education
Complete 24 approved CE hours per biennium, including three ethics hours, unless exempt under KRS 304.9-295(3); complete by the compliance date and report within 60 days. If a chosen course requires a written examination, pass that course examination to receive credit. The statute identifies no separate named licensing examination for renewal.
Deadline
Individuals renew by the last day of their birth month in the applicable odd/even year; business entities renew by March 31 in the applicable odd/even year.
Late renewal
Within 60 days of expiration, a renewal request and fees may be accepted without interruption with the statutory penalty.
Renewal
Request renewal in the form prescribed by the commissioner and pay required fees by the applicable biennial deadline.
Waiver
Military service, long-term medical disability or other extenuating circumstances may support a written request for waiver of renewal procedures or any examination requirement or sanction for noncompliance (KRS 304.9-260(3)).

Official no-examination sources

Effective from 2026-07-15.

Relicensing after Department employment
No examination is required for this applicant pathway.
Application window
Apply within 12 months after that employment ends.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Previous license
The same line license was surrendered to accept Department of Insurance employment.

Official no-examination sources

Effective from 2026-07-15.

Requalification after revocation
Kentucky — Property and casualty personal lines examination
Age
At least 18 years old (KRS 304.9-105(1)(a)).
Application
Submit the uniform individual application, applicable fees, required course-completion proof, and an AOC background report when designating Kentucky as home state (806 KAR 9:025 Section 2(1)).
Character
No disqualifying act under KRS 304.9-440; trustworthy, reliable and of good reputation, subject to the commissioner's investigation.
Commissioner conditions
The commissioner may request further information and may place conditions on a license by order under KRS 304.9-465; these do not create a separately established license identity.
Conditional order
The commissioner may place conditions on a license by order under KRS 304.9-465; comply with any applicable order.
Exam scheduling
The application, required documents and fees must be submitted before scheduling; examinations are scheduled through Kentucky eServices. A 70% score is required.
Financial responsibility
Maintain the insurance certificate with at least $20,000 per occurrence and $100,000 annual aggregate, a $20,000 cash surety bond, or an exclusive-agent insurer assumption agreement meeting KRS 304.9-105(1)(f).
Other exemptions
A separately applicable statutory exemption remains available when its conditions are met.
Prelicensing
Complete 20 hours for each selected major line (40 hours for both property and casualty), unless exempt. Completion is valid one year. KRS 304.9-107 exempts the relevant CPCU, CIC, AAI, ARM designations and an accredited insurance degree from course requirements, rather than from the licensing examination.
Residence
Designate Kentucky as home state and remain eligible under KRS 304.9-120; a nonresident not eligible for reciprocity may apply under KRS 304.9-105.
Revocation
Wait at least one year after revocation and qualify anew; two revocations bar any further license.

Kentucky Casualty examination (insurance licensing)

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

Property examination

Provider
Kentucky Department of Insurance
Format
Computerized written examination
Exam questions
50
Passing score
70%
Examination outline
  • Principles of Insurance (6%)
    • 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
  • The Insurance Contract (6%)
    • 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
  • Insurance Company Organization and Regulation (2%)
    • Types of Insurance Organizations
    • Types of Insurance Organizations / Stock and Mutual Companies
    • Lines of Insurance
    • Lines of Insurance / Four Lines of Insurance
    • 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
  • The Insurance Transaction (6%)
    • 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
  • Introduction to Property Insurance (8%)
    • Declarations
    • Declarations / Who is Insured
    • Declarations / What Property is Covered and Where
    • Declarations / How Much Property is Insured for
    • Insuring Agreement
    • Insuring Agreement / Property Covered
    • Insuring Agreement / Perils Insured Against
    • Exclusions and Limitations
    • Conditions
    • Conditions / Duties Following Loss
    • Conditions / Valuation
    • Conditions / Coinsurance
    • Conditions / Deductible
    • Conditions / Salvage and Abandonment
    • Conditions / Subrogation
    • Conditions / Appraisal and Arbitration
    • Conditions / Other insurance
    • Conditions / Assignment
  • Dwelling Insurance (4%)
    • The Dwelling Policy
    • The Dwelling Policy / Perils Insured Against
    • The Dwelling Policy / Other Coverages
    • The Dwelling Policy / Conditions
    • The Dwelling Policy / Basic Policy Coverages
    • The Dwelling Policy / Replacement Cost Coverage
    • The Dwelling Policy / Other Endorsements
  • Homeowners Insurance (10%)
    • The Homeowners Policy
    • The Homeowners Policy / Eligibility, Insureds
    • The Homeowners Policy / Eligibility, Insureds / HO-3 - Special Form
    • The Homeowners Policy / Eligibility, Insureds / HO-4 - Contents Broad Form
    • The Homeowners Policy / Eligibility, Insureds / HO-6 - Unit-Owners Form
    • Section I - Property
    • Section I - Property / Coverage C - Personal Property
    • Section I - Property / Coverage D - Loss of Use
    • Section I - Property / Additional Coverages
    • Section I - Property / Perils Insured Against
    • Section I - Property / Limits of Liability, Deductible
    • Homeowners Endorsements
    • Homeowners Endorsements / Section I Endorsements
    • Homeowners Endorsements / Limited Fungi, Wet or Dry Rot, or Bacteria Coverage
  • Personal Auto Insurance (6%)
    • 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
    • Part D - Coverage for Damage to Your Auto / Other Provisions
  • Miscellaneous Personal Insurance (8%)
    • Flood Insurance
    • Flood Insurance / Coverage
    • National Flood Insurance Program
    • Earthquake Insurance
    • Mobile Home Insurance
    • Personal Inland Marine Insurance
    • Personal Inland Marine Insurance / Personal Inland Marine Forms
    • Personal Watercraft Insurance
    • Personal Watercraft Insurance / Boatowners and Outboard Motor and Boat Policies
    • Personal Watercraft Insurance / Personal Yacht Policies
    • FAIR Plans
  • The Commercial Package Policy (6%)
    • 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
  • The Businessowners Policy (6%)
    • Eligibility, Policy Organization
    • Eligibility, Policy Organization / Ineligible Risks
    • Property Coverage
    • Property Coverage / Building Coverage
    • Property Coverage / Business Personal Property Coverage
    • Property Coverage / Covered Causes of Loss
    • Property Coverage / Additional Coverages
    • Property Coverage / Coverage Extensions
    • Property Coverage / Optional Coverages
    • Conditions
  • Commercial Property Insurance (6%)
    • Commercial Property Coverage Part
    • Commercial Property Coverage Part / Causes of Loss Forms
    • Building and Personal Property Coverage Form
    • Building and Personal Property Coverage Form / Property Covered
    • Building and Personal Property Coverage Form / Additional Coverages
    • Building and Personal Property Coverage Form / Coverage Extensions
    • Building and Personal Property Coverage Form / Conditions
    • Builders Risk Coverage Form
    • Builders Risk Coverage Form / Property Covered
    • Business Income Coverage Forms
    • Business Income Coverage Forms / Coverages
  • Ocean and Inland Marine Insurance (4%)
    • Ocean Marine Insurance
    • Ocean Marine Insurance / Categories of Ocean Marine Insurance
    • Ocean Marine Insurance / Characteristics of Ocean Marine Insurance
    • Inland Marine Insurance
    • Inland Marine Insurance / Nationwide Definition
    • Inland Marine Insurance / Filed and Nonfiled Forms
    • Filed Forms
    • Filed Forms / Accounts Receivable Coverage Form
    • Filed Forms / Valuable Papers and Records Coverage Form
    • Filed Forms / Floor Plan Coverage Form
    • Nonfiled Forms
    • Nonfiled Forms / Domestic Shipments
    • Nonfiled Forms / Commercial Property Floater Risks
  • Commercial Crime Insurance (6%)
    • Types of Crime Forms
    • Types of Crime Forms / Loss Sustained Form
    • Types of Crime Forms / Discovery Form
    • Definitions
    • Definitions / Types of Crimes
    • Definitions / Other Definitions
    • Insuring Agreements and Endorsements
    • Insuring Agreements and Endorsements / Employee Theft
    • Insuring Agreements and Endorsements / Forgery or Alteration
    • Insuring Agreements and Endorsements / Inside the Premises - Theft of Money and Securities
    • Exclusions
    • Exclusions / For all Coverages
  • Miscellaneous Commercial Insurance (8%)
    • Farm Insurance
    • Farm Insurance / Farm Property Coverage Forms
    • Boiler and Machinery Insurance
    • Boiler and Machinery Insurance / Boiler and Machinery Coverage Part
    • Boiler and Machinery Insurance / Equipment Breakdown Protection Coverage Form
    • Boiler and Machinery Insurance / Endorsements
    • Difference in Conditions Insurance
    • Federal Terrorism Risk Insurance Act of 2002 (Extension Act of 2007)
    • Federal Terrorism Risk Insurance Act of 2002 (Extension Act of 2007) / Background
  • Kentucky Law (8%)
    • Scope, General Definitions, and Provisions KRS 304.1
    • Definition of Property Insurance KRS 304.5-050
    • 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
    • Lender Insurance Requirements KRS 304.12-150
    • Unfair Claims Settlement Practices KRS 304.12-230
    • Insurance Contract KRS 304.14
    • Declination, Nonrenewal, and Cancellation KRS 304.20-300 to 350
    • Insurance Guaranty Fund KRS 304.36-030
    • Insurance Fraud KRS 304.47-020
    • Conversion of Premium KRS 304.99-010
Examination sources

Kentucky — Property and casualty personal lines examination

Provider
Kentucky Department of Insurance
Format
Computerized written examination
Exam questions
50 questions
Passing score
70%
Examination outline
  • Principles of Insurance (8%)
    • Risk
    • Managing Risk
    • Law of Large Numbers
    • Elements of Insurability
    • Pure Risk, Speculative Risk
    • Insurable Interest
    • Other Elements of Insurability
    • Other Insurance Terms
    • Peril
    • Hazard
  • The Insurance Contract (6%)
    • Elements of a Valid Contract
    • Offer and Acceptance
    • Consideration
    • Characteristics of an Insurance Contract
    • Principle of Indemnity
    • Personal
    • Unilateral
    • Parts of the Insurance Contract
    • Policy Organization
  • Insurance Company Organization and Regulation (2%)
    • Types of Insurance Organizations
    • Stock and Mutual Companies
    • Lines of Insurance
    • Four Lines of Insurance
    • Insurance Company Organization
    • The Agent
    • Insurance Marketing Systems
    • Other Insurance Functions
    • Regulation
    • Regulation and the Company
    • Regulation and the Agent
  • The Insurance Transaction (8%)
    • Application
    • Binders
    • Underwriting the Policy
    • Fair Credit Reporting Act
    • Rating the Policy
    • Judgment and Manual Rating
    • Certificate of Insurance
    • Misrepresentation, Concealment, and Fraud
    • Representations and Warranties
    • Waiver and Estoppel
    • Cancellation and Nonrenewal
  • Introduction to Property Insurance (6%)
    • Declarations
    • Who is Insured
    • What Property is Covered and Where
    • How Much Property is Insured for
    • Insuring Agreement
    • Property Covered
    • Perils Insured Against
    • Exclusions and Limitations
    • Conditions
    • Duties Following Loss
    • Valuation
    • Coinsurance
    • Deductible
    • Salvage and Abandonment
    • Subrogation
    • Appraisal and Arbitration
    • Other insurance
    • Assignment
  • Introduction to Liability Insurance (6%)
    • Negligence
    • Definition
    • Establishing Negligence
    • Defenses Against Negligence
    • Contributory and Comparative Negligence
    • Absolute Liability
    • Vicarious Liability
    • Liability Insurance
    • Third Party Losses
    • Insuring Agreement
    • Exclusions
    • Conditions
  • Dwelling Insurance (8%)
    • The Dwelling Policy
    • Perils Insured Against
    • Other Coverages
    • Conditions
    • Basic Policy Coverages
    • Replacement Cost Coverage
    • Other Endorsements
  • Homeowners Insurance (18%)
    • The Homeowners Policy
    • Eligibility, Insureds
    • Extent and Scope of Homeowners Coverage
    • HO-3 - Special Form
    • HO-4 - Contents Broad Form
    • HO-6 - Unit-Owners Form
    • Section I - Property
    • Coverage C - Personal Property
    • Coverage D - Loss of Use
    • Additional Coverages
    • Perils Insured Against
    • Limits of Liability, Deductible
    • Section II - Liability
    • Coverage E - Personal Liability
    • Coverage F - Medical Payments to Others
    • Exclusions
    • Additional Coverages
    • Homeowners Endorsements
    • Section I Endorsements
    • Limited Fungi, Wet or Dry Rot, or Bacteria Coverage
  • Personal Auto Insurance (18%)
    • Definitions
    • Part A - Liability Coverage
    • Coverage
    • Who is an Insured
    • Supplementary Payments
    • Exclusions
    • Part B - Medical Payments Coverage
    • Exclusions
    • Part C - Uninsured Motorists Coverage
    • Definition of Uninsured Motor Vehicle
    • Exclusions
    • Other Insurance
    • Part D - Coverage for Damage to Your Auto
    • Coverage
    • Transportation Expenses
    • Exclusions
    • Other Provisions
    • Parts E and F - Conditions
    • Underinsured Motorists Coverage
    • Personal Auto Policy Endorsements
  • Miscellaneous Personal Insurance (12%)
    • Flood Insurance
    • Coverage
    • National Flood Insurance Program
    • Earthquake Insurance
    • Mobile Home Insurance
    • Personal Inland Marine Insurance
    • Personal Inland Marine Forms
    • Personal Watercraft Insurance
    • Boatowners and Outboard Motor and Boat Policies
    • Personal Yacht Policies
    • Personal Umbrella Insurance
    • Coverage for Excluded Losses
    • FAIR Plans
  • Insurance Code — Kentucky Law (8%)
    • Scope, General Definitions, and Provisions KRS 304.1
    • Definition of Property Insurance KRS 304.5-050
    • Agent Licensing
    • Definitions KRS 304.9-020 to 051
    • Licensing Requirements KRS 304.9-080 to 120
    • Change of Address KRS 304.9-200
    • License Renewal KRS 304.9-260
    • Continuing Education KRS 304.9-295
    • Record Retention KRS 304.9-390
    • Suspension or Revocation of License KRS 304.9-440
    • Reporting of Criminal or Administrative Actions KRS 304.9-467
    • 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
    • Lender Insurance Requirements KRS 304.12-150
    • 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
Examination sources