On this page
Property and casualty rate, rule and form filings in Kentucky are reviewed by the Kentucky Department of Insurance. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | Kentucky Department of Insurance |
|---|---|
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Workers' compensation, General and other liability, Commercial multi-peril, Medical professional liability, Inland marine, Farmowners, Earthquake, Homeowners and auto combination, Product liability, Surety, Title |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Kentucky, each linked to the official text.
- KRS 304.13-053 — Workers' compensation flex barrierStatute
- KRS 304.20-320(4) — 75-day notice for a renewal increase over 25%Homeowners · Statute
- KRS 304.13-051(5) and (7) — The FLEX barrier applies to manuals and underwriting rules tooProperty and dwelling fire · Statute
- KRS 304.14-120 — The sixty-day form track and the notice of adoptionCommercial multi-peril · Statute
- 806 KAR 13:110 - Flex rate standardsInland marine · Regulation
- KRS 304.13-031 — Rate standards in a noncompetitive marketStatute
How to search Kentucky's public rate and form filings
- The Kentucky Department of Insurance says filings submitted electronically are available online at no cost through the SERFF Filing Access website. Source
- The SFA website lets users search for and download filings made after November 1, 2018. Source
- Filings made before November 1, 2018 are not on SFA and can be obtained through an open records request to the department. Source
Start from the department's page: Kentucky Department of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- KRS 304.13-031 — Rate standards in a noncompetitive marketStatute
- KRS 304.13-041 — Monitoring market competitionStatute
- KRS 304.13-051 — Filing rates and rate information; when a filing becomes effectiveStatute
- KRS 304.13-053 — Workers' compensation flex barrierStatute
- KRS 304.14-120 — Filing and approval of formsStatute
- KRS 304.20-042 — Credit history and extraordinary life circumstancesStatute
- KRS 304.20-320 — Cancellation, nonrenewal and renewal premium noticeStatute
- KRS 304.20-340 — Prohibited grounds for declination or terminationStatute
Last reviewed
Homeowners
Kentucky sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- KRS 304.13-051(5) applied to homeownersStatute
- KRS 304.20-320(4) — 75-day notice for a renewal increase over 25%Statute
- KRS 304.20-340(7) — Weather losses and homeowners eligibilityStatute
- 806 KAR 13:150 Section 12(1)(cc) — Homeowners review requirements checklistRegulation
- 806 KAR 13:150 Section 7 — Homeowners premium comparison informationRegulation
- KRS 304.14-420 and 806 KAR 14:121 applied to homeownersRegulation
Last reviewed
Personal auto
Kentucky sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- KRS 304.13-051(5) applied to personal automobileStatute
- KRS 304.13-063 — The automobile accident prevention course premium reductionStatute
- KRS 304.20-040 — The automobile termination code, and why KRS 304.20-320 does not applyStatute
- KRS 304.20-045 and KRS 304.20-041 — Two automobile-specific limits on rating rulesStatute
- KRS 304.39-020 and 304.39-140 — Basic and added reparation benefitsStatute
- KRS 304.39-060 — Kentucky's no-fault tort limitation and its rejectionStatute
Last reviewed
Property and dwelling fire
Kentucky sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- KRS 304.11-020 — Industrial insureds, government entity insureds and exempt commercial policyholdersStatute
- KRS 304.13-051(1) and (4) with Bulletin 2001-3 — Why commercial property rates are not filedStatute
- KRS 304.13-051(5) and (7) — The FLEX barrier applies to manuals and underwriting rules tooStatute
- KRS 304.20-160 — Fire loss information and the insurer's notification dutyStatute
- KRS 304.20-200 to 304.20-250 — Fire proceeds, tax liens and the insurer's notice dutyStatute
- 806 KAR 12:095 Section 9 — Settlement standards for fire-and-extended-coverage-type policiesRegulation
Last reviewed
Workers' compensation
Kentucky sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- KRS 304.13-053 - The workers' compensation filing track and the 15% barrierStatute
- KRS 304.13-167 - Uniform classification and experience rating; drug-free workplace creditStatute
- KRS 342.122 - Special fund assessments in lieu of other taxes on workers' compensation premiumsStatute
- KRS 342.803, 342.817 and 342.839 - Kentucky Employers' Mutual Insurance AuthorityStatute
- 806 KAR 13:130 - Experience modification factors for workers' compensation insurersRegulation
- KRS 304.13-161 and 806 KAR 13:140 - Review of the rating system and the notice to insuredsRegulation
Last reviewed
General and other liability
Kentucky sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- 806 KAR 13:150 — Property and casualty rate and rule filingsRegulation
- Kentucky Department of Insurance Bulletin 2001-3 — Property and casualty form, rate and rule filingsDepartment guidance
- KRS 304.13-051 — Filing rates and rate informationDepartment guidance
- KRS 304.13-100 — Excess ratesDepartment guidance
- KRS 304.14-120 — Filing and approval of formsDepartment guidance
Last reviewed
Commercial multi-peril
Kentucky sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- KRS 304.11-020 — The exempt commercial policyholder route and its figuresStatute
- KRS 304.13-011 and KRS 304.13-111 — What a Kentucky loss cost containsStatute
- KRS 304.13-031 and KRS 304.13-041 — The rate standard and the competitive market presumptionStatute
- KRS 304.13-051 — Why a package files its manuals but not necessarily its ratesStatute
- KRS 304.14-120 — The sixty-day form track and the notice of adoptionStatute
- 806 KAR 13:020 — Excess rates and the consent form, on two tracksRegulation
Last reviewed
Medical professional liability
Kentucky sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- 806 KAR 13:150 — Property and casualty rate and rule filingsDepartment guidance
- Kentucky Department of Insurance Bulletin 2001-3 — Property and casualty form, rate and rule filingsDepartment guidance
- KRS 304.13-051 — Filing rates and rate informationDepartment guidance
- KRS 304.14-120 — Filing and approval of formsDepartment guidance
Last reviewed
Inland marine
Kentucky sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- KRS 304.13-051 - Rate filingStatute
- KRS 304.13-100 - Excess rate applicationStatute
- KRS 304.14-120 - Form approval and special-risk exceptionStatute
- KRS 304.5-080 - Inland marine definitionStatute
- KRS 304.52-070 - Travel classificationStatute
- 806 KAR 13:110 - Flex rate standardsRegulation
Last reviewed
Farmowners
Kentucky sources for farmowners filings (SERFF type of insurance 03.0 Personal Farmowners).
- 806 KAR 13:150 Section 7(1) — Personal automobile premium comparison informationDepartment guidance
- 806 KAR 13:150 Section 7(2) — Homeowners premium comparison informationDepartment guidance
- KRS 304.13-031 — Rate standardsDepartment guidance
- KRS 304.13-051 — Filing rates and rate informationDepartment guidance
Last reviewed
Earthquake
Kentucky sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- 806 KAR 13:150 — Property and casualty rate and rule filingsDepartment guidance
- Kentucky Department of Insurance Bulletin 2001-3 — Property and casualty form, rate and rule filingsDepartment guidance
- KRS 304.13-051 — Filing rates and rate informationDepartment guidance
- KRS 304.14-120 — Filing and approval of formsDepartment guidance
- KRS 304.14-420 — Minimum standards for readability and intelligibilityDepartment guidance
Last reviewed
Homeowners and auto combination
Kentucky sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- 806 KAR 13:150 Section 7(1) — Personal automobile premium comparison informationDepartment guidance
- 806 KAR 13:150 Section 7(2) — Homeowners premium comparison informationDepartment guidance
- KRS 304.13-031 — Rate standardsDepartment guidance
- KRS 304.13-051 — Filing rates and rate informationDepartment guidance
Last reviewed
Product liability
Kentucky sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- 806 KAR 13:150 — Property and casualty rate and rule filingsRegulation
- Kentucky Department of Insurance Bulletin 2001-3 — Property and casualty form, rate and rule filingsDepartment guidance
- KRS 304.13-051 — Filing rates and rate informationDepartment guidance
- KRS 304.13-100 — Excess ratesDepartment guidance
- KRS 304.14-120 — Filing and approval of formsDepartment guidance
Last reviewed
Surety
Kentucky sources for surety filings (SERFF type of insurance 24.0 Surety).
- KRS 304.13-051 — Filing rates and rate informationDepartment guidance
- KRS 304.14-120Department guidance
- KRS 304.21-010Department guidance
- KRS 304.21-090Department guidance
- KRS 431.510Department guidance
Last reviewed
Title
Kentucky sources for title filings (SERFF type of insurance 34.0 Title).
- 806 KAR 13:150 — Property and casualty rate and rule filingsDepartment guidance
- KRS 304.13-051 — Filing rates and rate informationDepartment guidance
- KRS 304.14-120 — Filing and approval of formsDepartment guidance
- KRS 304.14-420 — Minimum standards for readability and intelligibilityDepartment guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the Kentucky Department of Insurance before you file. All states