Kentucky Administrative Regulations Title 806 - PUBLIC PROTECTION CABINET - DEPARTMENT OF INSURANCE
Here’s a refined overview of Kentucky Administrative Regulations – Title 806, governing the Public Protection Cabinet’s Department of Insurance:
📘 Title 806 – Public Protection Cabinet, Department of Insurance
Chapters & Scope
Title 806 comprises regulations overseeing all aspects of insurance within Kentucky, including insurer licensing, consumer protection, and industry oversight (apps.legislature.ky.gov).
✅ Key Chapters (with update status)
| Chapter | Focus Area | Status / Last Updated |
|---|---|---|
| 001 | General Provisions | Inactive (last active 12/15/2021) (apps.legislature.ky.gov) |
| 002 | Administration (e.g., complaints, recordkeeping, premium taxes) | Current (updated 3/10/2025) |
| 003 | Insurer authorization, financial standards, data reporting | Current (updated 3/10/2025) |
| 004 | Department fees & taxes | Current (updated 3/10/2025) |
| 005 | Insurance types, risk limits, reinsurance rules | Current (updated 3/10/2025) |
| 006 | Insurer assets & liabilities | Current (updated 3/10/2025) |
| 007–008 | Investments & Deposit Administration | Inactive since 2021 |
| 009 | Licensing: Agents, consultants, adjusters | Current (3/10/2025) |
| 010 | Surplus lines insurers | Current (updated 2/25/2022) |
| 011 | Unauthorized insurers & advertising rules | Current (3/10/2025) |
| 012 | Trade practices & fraud (e.g., unfair claims settlement) | Current (12/95 etc.) |
| 013 | Rate certification & rating bodies | Current (3/10/2025) |
| 014 | Insurance contract standards | Updated 4/28/2025 |
| 015 | Life insurance & annuities | Current (3/10/2022) |
| 017–020 | Health & casualty coverages, malpractice | Updated by 4/28/2025 |
| 021, 024, 026, 030, 034, 038, 044, 047–049 | Specialty topics (some inactive, some current) | Varied status |
| 037 | Holding company systems | Current (3/10/2025) |
| 039 | No-fault motor vehicle reparations | Current (3/10/2025) |
| 040 | Health care malpractice | Current (3/10/2025) |
| 046, 052 | Self-insurance groups | Mixed statuses; Chapter 052 updated 3/10/2025 |
🔍 Selected Highlight: Chapter 012 – Trade Practices & Fraud
One prominent section is 806 KAR 12:095, defining unfair claim settlement practices for property & casualty insurance—establishing standards insurers must follow in handling claims and investigations (apps.legislature.ky.gov).
🧭 How to Access Full Regulations
Visit the Kentucky Legislative Research Commission website’s KAR portal (“Title 806”). Chapters are organized and downloadable. For example:
[Chapter 2 – Administration] includes rules on complaints and recordkeeping (regulations.justia.com).
[Chapter 3 – Licensing/financial authority] covers insurer authorization, capital standards, data reporting (regulations.justia.com).
✅ Summary
Title 806 meticulously governs:
Licensing & operation of insurers & intermediaries,
Financial solvency, rates, and investment regulation,
Consumer protection via trade practice rules,
Specialized sectors like surplus lines, captives, no-fault, malpractice, self-insurance.
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