AN ACT relating to insurance regulatory requirements and declaring an emergency.

Amend KRS 304.1-050 and 304.1-110 to make technical amendments; amend KRS 304.2-160 to define "licensee"; amend KRS 304.2-220 to modify persons who are subject to examination by the insurance commissioner; amend KRS 304.4-040 to apply license revocation for failure to pay tax or fee to licensees; amend KRS 304.5-080 to define "inland marine insurance" and repeal the definition of "marine and transportation insurance"; amend KRS 304.9-035 to provide for an insurer's liability for acts of…

Licensing State Agencies Technical Corrections Workers Compensation Actuarial Analysis Health Benefit Plan Mandate State Employee Health Plan Mandate Local Mandate Disasters And Recovery Efforts Health and Medical Services Insurance Insurance, Health Investments

Introduced: January 29, 2026

Last action: April 7, 2026

(Acts Ch. 45)

In effect since April 7, 2026

This act carries an emergency clause, so it took effect as soon as it became law instead of waiting the usual 90 days after the session adjourned (Ky. Constitution § 55).

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This bill updates a wide range of Kentucky insurance laws, making technical fixes and changing rules for insurance agents, adjusters, and companies operating in the state. Key changes include new requirements around how insurers handle disputed claims, updates to licensing and continuing education rules for insurance professionals, and a new option for property insurance policies that would allow homeowners to upgrade their roof to a stronger standard. It also adjusts how annuity products and workers'…

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