Become a Kentucky Insurance Adjuster

AdjusterPro's Bottom-line: Kentucky licenses property & casualty independent, public, and workers' compensation adjusters.  Licensees must ensure financial responsibility through either an insurance company’s assumption OR a $1000 bond. Residents must pass an exam, but non-residents who hold a license by examination in another state are exempt from the exam requirement.

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Adjuster License Requirements

To become a licensed Kentucky insurance adjuster, individuals must:

NOTE: Kentucky defines an independent adjuster as “an adjuster who is an independent contractor, or employee of a contractor, who investigates and settles property and casualty claims solely on behalf of insurers.”

• Be at least 21 years old.
• Be a resident of Kentucky or hold an adjuster license (for which an exam was taken) in another state.
• Fulfill one of the following:
  • “Be an employee of an insurer, or
  • Be a full-time salaried employee of a licensed adjuster, or
  • Be a graduate of a recognized law school, or
  • Have experience or special education or training as to the handling of claims long enough and frequently enough to be competent to fulfill the responsibilities of an adjuster.”
• Be trustworthy and of good reputation.
• Be competent to exercise the license.
• Have an office accessible to the public.
• Be financially responsible.
• Pass a written examination in either Kentucky or a reciprocal state.
• Pay non-refundable fee.

EXCEPTIONS TO LICENSE REQUIREMENT: According to the Kentucky Department of Insurance website, an adjuster license is not required for:

• An adjuster who is sent to Kentucky by an insurer, for fewer than 90 days, to investigate claims relating to a “declared common catastrophe;
• A licensed attorney working as such for a “specific client only”.
• A “licensed agent with claim authority granted by the insurer as long as the agent does not receive any compensation for adjusting services;”
• A representative of an insurer who is acting as a supervisor and not adjusting claims “in conjunction with the contract adjuster (field adjuster);”
• A “person employed only for the purpose of obtaining facts surrounding a claim or furnishing technical assistance to a licensed adjuster, including photographer, estimator, private investigator, engineer, and handwriting expert,” or
• A “person performing adjusting services under an agent license for limited line of authority for crop insurance.”

Adjuster Exam Preparation

AdjusterPro is partnered with Insurance-Schools.Com to bring you the most comprehensive exam study materials available specifically for Kentucky. Select from any of the packages (above-right) and take the Kentucky state exam with the confidence in knowing you've had the best possible preparation.

Adjuster Exam Registration

For details on scheduling your exam, please refer to tthe Kentucky Exam Info Sheet.

Kentucky License Application

• Paper application:
  • Submit individual license application form 8301
  • Indicate type of license: independent, staff, public, crop, or worker’s compensation
  • Criminal background report from Administrative Office of the Courts - obtain the report by filing Form 8301-BGC, with the AOC; submit a copy of the report with the application.
• Online application:
  • Resident Electronic Application via NIPR or,
  • Non-Resident Electronic Application via NIPR
  • Indicate type of license: independent, staff, public, crop, or worker’s compensation
  • Criminal background report from Administrative Office of the Courts - obtain the report by filing Form 8301-BGC, with the AOC; submit a copy of the report by mail.
• If you are a non-resident, Kentucky will verify electronically through National Association of Insurance Commissioners (NAIC) Producer Data Base (PDB), that you are licensed and in good standing in your resident state.

NOTE: In order to ensure financial responsibility, all licensees must post a bond of $1,000, executed by an authorized surety company on Form 99-3. However, this bond is not necessary if an insurance company assumes financial responsibility by filing Form 99-6 naming the licensee.

Reciprocity

Kentucky grants reciprocal licensing privileges to anyone holding a license by examination in another state..

Maintaining Your License

• No Continuing Education is required.
• This license is a two year license and is renewable bi-annually with a fee of $50.
• Renewal deadline is the last day of the licensee’s birth-month in even-numbered years if born in an even year, or odd-numbered years if born in an odd year.

License Fees

• Initial Licensing and Application Fee: $50.
• License Renewal Fee: $50.

Contact the Kentucky Department of Insurance

Main Office: 215 W. Main St., Frankfort, Kentucky 40601

Phone: Main - (800) 595-6053, Licensing Division - (502)-564-6004, Fax: (502) 564-6030