Insurance Agent License in Kentucky

Kentucky licenses insurance professionals as Insurance Agents through the Kentucky Department of Insurance. Kentucky has a moderately sized insurance market influenced by its diverse economy spanning manufacturing, coal mining, bourbon production, horse racing, and agriculture. The Louisville and Lexington metropolitan areas are the primary insurance industry centers. Kentucky requires pre-licensing education of approximately 40 hours per major line of authority from an approved provider. The state has specific requirements for equine insurance given Kentucky's position as the horse capital of the world, and producers serving the equine industry often need specialized knowledge. Property and Casualty demand is driven by exposure to severe thunderstorms, tornadoes, and flooding, particularly along the Ohio River valley. Kentucky conducts criminal background checks. Continuing education is 24 hours biennially, including 3 hours of ethics. Kentucky participates in NIPR for non-resident licensing. The state allows temporary licensing under certain conditions for applicants working under supervision.