Key Takeaways
- The Kentucky Department of Insurance (DOI) regulates all insurance activities in the state
- The Insurance Commissioner is APPOINTED by the Governor with Senate consent
- Commissioner serves a term not exceeding 4 years
- DOI is part of the Public Protection Cabinet
- Kentucky insurance law is found in KRS Chapter 304
Last updated: January 2026
Kentucky Department of Insurance
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Kentucky regulates insurance through the Kentucky Department of Insurance (DOI), a division of the Public Protection Cabinet.
Kentucky Insurance Commissioner
The Kentucky Insurance Commissioner is:
- APPOINTED by the Governor (not elected)
- Confirmed by the State Senate
- Serves a term not exceeding 4 years
- Part of the Public Protection Cabinet
Commissioner Selection
| Requirement | Details |
|---|---|
| Appointment | By the Governor |
| Confirmation | State Senate consent required |
| Term | Up to 4 years |
| Cabinet | Public Protection Cabinet |
Exam Tip: Remember that Kentucky's Insurance Commissioner is APPOINTED, not elected. Kentucky is NOT one of the 11 states that elect their insurance commissioner.
Kentucky Department of Insurance Functions
The Kentucky Department of Insurance (DOI) is responsible for:
| Function | Description |
|---|---|
| Insurer Regulation | Licensing and monitoring insurance companies |
| Producer Licensing | Issuing and renewing agent licenses |
| Rate Review | Reviewing and approving insurance rates |
| Consumer Protection | Handling complaints and investigations |
| Market Conduct | Examining insurer practices |
| Financial Oversight | Monitoring insurer solvency |
DOI Divisions
- Producer Licensing - Agent licensing and continuing education
- Life and Health - Life and health insurer regulation
- Property and Casualty - P&C insurer regulation
- Financial Standards - Solvency monitoring
- Consumer Protection - Consumer complaints and inquiries
Kentucky Insurance Code
Kentucky insurance law is contained in KRS Chapter 304 (Kentucky Revised Statutes):
Key Sections
| Section | Subject |
|---|---|
| 304.1 | Department of Insurance |
| 304.9 | Agents, Consultants, Solicitors, and Adjusters |
| 304.14 | Life Insurance and Annuities |
| 304.18 | Health Insurance |
Contact Information
- Address: 500 Mero Street, Frankfort, KY 40601
- Phone: (502) 564-3630
- Website: insurance.ky.gov
- Licensing: doi.licensing@ky.gov
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Test Your Knowledge
How is the Kentucky Insurance Commissioner selected?
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Test Your Knowledge
Which chapter of the Kentucky Revised Statutes contains insurance law?
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Test Your Knowledge
The Kentucky Department of Insurance is part of which cabinet?
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