KY admitted filing requirements
Review Kentucky admitted property and casualty form, rate, and rule filing methods, timing, exemptions, packaging requirements, and official authorities.
Search the source-backed requirements. Each entry shows only the filing details that apply.
Form · Rate
If the rates pertaining to a form must be filed or approved by law the form cannot be used until those rates have been filed or approved as required.
Applies to: Related form and rate effective use
Conditions and exceptions: The form and rate remain separate submissions despite the dependency.
Form
The enumerated forms are outside the default filing rule and the commissioner may exempt additional documents or form types when filing is impracticable or unnecessary for public protection.
Applies to: Surety bonds; specially rated inland marine risks; unique forms for a particular subject; commissioner-order exemptions
Conditions and exceptions: Apply the exact statutory conditions and current exemption order; exclude the life/health-specific unique-form clause from the P&C model.
Form
A form may not be delivered or issued for delivery until filed and approved. File at least 60 days before delivery; the form deems approved at 60 days unless acted on and the commissioner may extend once for up to 30 days by timely notice.
Applies to: Basic policy application made part of policy printed rider endorsement and renewal certificate
Conditions and exceptions: Affirmative approval waives the remaining wait; statutory and order exemptions are modeled separately.
Rate · Rule
Rates and supplementary rating information must be filed no later than 15 days after first use.
Applies to: Competitive market rate filing
Conditions and exceptions: A closer-supervision order based on financial condition changes the method to at least 30 days before effectiveness and expires within one year.
Rate · Rule
A rate manual or rule change that would increase or decrease an existing rate by more than 25% for a classification in a territory within 12 months cannot become effective until approved; the 30-day deemer and possible 30-day extension apply.
Applies to: More than 25% classification/territory change within 12 months
Conditions and exceptions: Measure the combined effect of rates manuals and underwriting rules for the classification and territory.
Rate · Rule
Rates supplementary rating information and support are filed at least 30 days before the proposed effective date and deem unless disapproved; the commissioner may extend review up to 30 days.
Applies to: Noncompetitive market rate filing
Conditions and exceptions: The commissioner may authorize earlier effectiveness; a public hearing changes when the waiting period begins.
Rate · Rule
Residual-market rates do not become effective until approved; the 30-day deemer and possible 30-day extension apply.
Applies to: Residual-market rates and supporting information
Manual · Rule
Every insurer files the rating manuals and underwriting rules it uses no later than 15 days after they become effective.
Applies to: Rating manuals and underwriting rules
Filer type: insurer
Conditions and exceptions: Manuals rules and guidelines must be followed until amended.
Form · Rate · Rule
Forms must be filed separately from rates and rules. The rate regulation reciprocally requires rates loss costs and supplementary rating information to be filed separately from forms.
Applies to: Submission packaging
Conditions and exceptions: A filing may include materials for one company or a group if the applicable regulation's conditions are met.
Note: The local 2024+ corpus contains Form Rule Rate and Rate/Rule types and no combined form/rate filing type.
Form
A P&C advisory organization or form provider files forms for approval before distribution; an insurer must file notice of adoption before using an approved form filed on its behalf.
Applies to: Advisory-organization or form-provider form adoption
Filer type: Rating Organization
Conditions and exceptions: An insurer may also file forms on its own behalf.
Note: These provisions are in the amendment effective 2026-07-15.