Kentucky 2026 Regular Session Status: Enacted Bipartisan · 6 R · 3 D cosponsors

HB 568 — AN ACT relating to public protection and declaring an emergency.

Last action — signed by Governor (Acts Ch. 141)

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. ✓
    Passed House
  4. ✓
    Passed Senate
  5. ✓
    To Executive
  6. 6
    Enacted

This bill has been enacted into law. Introduced February 05, 2026. Enacted.

Signed by Governor Andy Beshear (Democratic) on April 13, 2026.

Odds of enactment

High chance

Based on the sponsor, cosponsors, and committee posture, this bill has a high chance of becoming law.

Upgrade to see the exact probability and what's driving it.

A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Likely to advance 98% · high confidence

  • Enacted

    Current position in the legislative process.

  • 9 sponsors

    9 primary, 0 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (6 R · 3 D) — cross-party backing.

  • Cleared a recorded vote

    Passed 4 recorded votes so far.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Summary

Amend KRS 304.9-020 to modify the definition of "apprentice adjuster," "negotiate," and "public adjuster"; amend KRS 304.9-430 to prohibit the issuing of a public adjuster license on or after the effective date of the Act; amend KRS 304.9-432 to prohibit issuing an apprentice adjuster license to a person that is supervised by a public adjuster; prohibit temporary or apprentice adjuster licensees from taking an examination for, or being issued, a public adjuster license; amend KRS 304.9-433 to prohibit a public adjuster from providing services until the required rescission period has concluded; establish information to be included in contracts between a public adjuster and an insured; require a public adjuster to provide a physical copy of the contract to the insured and insurer; modify the required rescission period for contracts between a public adjuster and an insured; provide that contracts in violation of KRS Chapter 304 are not enforceable; amend KRS 304.9-4331 to prohibit a public adjuster from being affiliated with an entity or person that obtains business in connection with a claim, utilizing a contractor, another form of business, or other person to solicit or obtain contract signatures; prohibit a public adjuster from negotiating with an insurer on behalf of an insured; amend KRS 304.9-4332 to require a public adjuster to provide insured with a receipt of deposit within 3 business days; amend KRS 304.9-4333 to modify fees that may be charged by a public adjuster; amend KRS 304.9-440 to require the commissioner to take certain regulatory actions against an adjuster or apprentice licensee under certain conditions; amend KRS 304.9-436 and 304.9-295 to conform; make conforming and technical amendments throughout; direct that certain sections apply to contracts entered on or after the effective date of the Act.

Bill Text

What changed in the latest version

992 added · 1315 removed

Plain-language change summary

The recent changes to Bill HB 568 clarify definitions related to insurance and emergencies within Kentucky's law. New terms like "catastrophe" now have a more detailed description and include criteria such as severe impacts on human needs and economic activity. This matters because it helps ensure a better understanding of what qualifies as an emergency, potentially improving response efforts when disasters occur. By updating these definitions, the bill aims to enhance public protection in times of crisis.

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UNOFFICIAL COPY 26 RS HB 568/EN AN ACT relating to public protection and declaring an emergency.
CHAPTER 141 1 CHAPTER 141 ( HB 568 ) AN ACT relating to public protection and declaring an emergency.
(7) "Crop insurance" means insurance providing protection against damage to crops Page 1 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN from unfavorable weather conditions, fire or lightning, flood, hail, insect infestation, disease, or other yield-reducing conditions or perils provided by the private insurance market or that is subsidized by the Federal Crop Insurance Corporation, including multi-peril crop insurance;
(7) "Crop insurance" means insurance providing protection against damage to crops from unfavorable weather conditions, fire or lightning, flood, hail, insect infestation, disease, or other yield-reducing conditions or perils provided by the private insurance market or that is subsidized by the Federal Crop Insurance Corporation, including multi-peril crop insurance;
(11) "Limited line credit insurance" includes credit life, credit disability, credit property, credit unemployment, involuntary unemployment, mortgage life, mortgage guaranty, mortgage disability, guaranteed automobile protection insurance, and any other form of insurance offered in connection with an extension of credit that is limited to partially or wholly extinguishing that credit obligation that the commissioner determines should be designated a form of limited line credit insurance;
(11) "Limited line credit insurance" includes credit life, credit disability, credit property, credit unemployment, involuntary unemployment, mortgage life, mortgage guaranty, mortgage disability, guaranteed automobile protection insurance, and any other form of insurance offered in connection with an extension of credit that is Legislative Research Commission PDF Version ACTS OF THE GENERAL ASSEMBLY limited to partially or wholly extinguishing that credit obligation that the commissioner determines should be designated a form of limited line credit insurance;
Page 2 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (12) "Limited line credit insurance agent" means an individual or business entity who sells, solicits, or negotiates one (1) or more forms of limited line credit insurance coverage to individuals through a master, corporate, group, or individual policy;
(12) "Limited line credit insurance agent" means an individual or business entity who sells, solicits, or negotiates one (1) or more forms of limited line credit insurance coverage to individuals through a master, corporate, group, or individual policy;
Page 3 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (f) Administers rebates on prescription drugs;
(f) Administers rebates on prescription drugs;
(19) "Portable electronics retailer" means a licensed business entity that offers and sells portable electronic devices and offers and disseminates portable electronics insurance on behalf and under the direction of a portable electronics insurance supervising entity;
CHAPTER 141 3 (19) "Portable electronics retailer" means a licensed business entity that offers and sells portable electronic devices and offers and disseminates portable electronics insurance on behalf and under the direction of a portable electronics insurance supervising entity;
Page 4 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (a) Means any person who[, for compensation or anything of value]:
(a) Means any person who[, for compensation or anything of value]:
or 2.[(b)] Advertises, solicits business, or holds itself out to the public as an adjuster described in subparagraph 1.
or 2.[(b)]Advertises, solicits business, or holds itself out to the public as an adjuster described in subparagraph 1.
of this paragraph[ for employment as a public adjuster of insurance claims, solicits business or represents himself, herself, or itself to the public as a public adjuster of first-party insurance claims for losses or damages arising out of policies of insurance that insure real or personal property;
of this paragraph[ for employment as a public adjuster of insurance claims, solicits business or represents himself, herself, or itself to the public as a public adjuster of first- party insurance claims for losses or damages arising out of policies of insurance that insure real or personal property;
Page 5 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (21) "Rental vehicle agent" means a business entity with a rental vehicle agent managing employee that is licensed to sell, solicit, or negotiate insurance offered, sold, or solicited in connection with, and incidental to, the rental of rental vehicles, whether at the rental office or by preselection of coverage in master, corporate, or group agreements that:
(21) "Rental vehicle agent" means a business entity with a rental vehicle agent managing employee that is licensed to sell, solicit, or negotiate insurance offered, sold, or solicited in connection with, and incidental to, the rental of rental vehicles, whether at the rental office or by preselection of coverage in master, corporate, or group agreements that:
(a) Is a salaried full-time employee of a licensed rental vehicle agent business entity that holds a license under KRS 304.9-505;
Legislative Research Commission PDF Version ACTS OF THE GENERAL ASSEMBLY (a) Is a salaried full-time employee of a licensed rental vehicle agent business entity that holds a license under KRS 304.9-505;
and Page 6 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (b) Is responsible for the supervision of the other employees engaged in the placement of insurance;
and (b) Is responsible for the supervision of the other employees engaged in the placement of insurance;
Page 7 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN 1.
1.
Is trustworthy, reliable, and of good reputation, evidence of which shall Page 8 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN be determined through an investigation by the commissioner;
Is trustworthy, reliable, and of good reputation, evidence of which shall be determined through an investigation by the commissioner;
4.
CHAPTER 141 5 4.
Be subject to lawful levy of execution on behalf of any person to whom the public adjuster has been found to be legally liable as the Page 9 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN result of erroneous acts, failure to act, conviction of fraud, or conviction for unfair practices in his or her capacity as a public adjuster;
Be subject to lawful levy of execution on behalf of any person to whom the public adjuster has been found to be legally liable as the result of erroneous acts, failure to act, conviction of fraud, or conviction for unfair practices in his or her capacity as a public adjuster;
Page 10 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN 3.
Legislative Research Commission PDF Version ACTS OF THE GENERAL ASSEMBLY 3.
(10) Notwithstanding any other provision of this subtitle, a license as an independent Page 11 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN adjuster shall not be required of the following:
(10) Notwithstanding any other provision of this subtitle, a license as an independent adjuster shall not be required of the following:
(k) A person who investigates, negotiates, or settles claims arising under a life, Page 12 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN accident and health, or disability insurance policy or annuity contract;
CHAPTER 141 7 (k) A person who investigates, negotiates, or settles claims arising under a life, accident and health, or disability insurance policy or annuity contract;
Page 13 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (b) A person who negotiates or settles claims arising under a life or health insurance policy or an annuity contract;
(b) A person who negotiates or settles claims arising under a life or health insurance policy or an annuity contract;
(a) An insurer shall notify the commissioner by submitting an application for temporary emergency registration of each individual not already licensed in Page 14 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN the state where the catastrophe has been declared, who will act as an emergency independent adjuster on behalf of the insurer;
(a) An insurer shall notify the commissioner by submitting an application for temporary emergency registration of each individual not already licensed in the state where the catastrophe has been declared, who will act as an emergency independent adjuster on behalf of the insurer;
(b) A person who is otherwise qualified to adjust claims, but who is not already licensed in the state, may act as an emergency independent or staff adjuster and adjust claims if, within five (5) days of deployment to adjust claims arising from the catastrophe, the insurer notifies the commissioner by providing the following information, in a format prescribed by the commissioner:
Legislative Research Commission PDF Version ACTS OF THE GENERAL ASSEMBLY (b) A person who is otherwise qualified to adjust claims, but who is not already licensed in the state, may act as an emergency independent or staff adjuster and adjust claims if, within five (5) days of deployment to adjust claims arising from the catastrophe, the insurer notifies the commissioner by providing the following information, in a format prescribed by the commissioner:
(b) [Unless refused licensure in accordance with KRS 304.9-440, ]A nonresident person shall receive a nonresident independent, staff, or public adjuster Page 15 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN license if:
(b) [Unless refused licensure in accordance with KRS 304.9-440, ]A nonresident person shall receive a nonresident independent, staff, or public adjuster license if:
(1) In the event that an applicant for an adjuster's license meets the qualification Page 16 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN requirements of KRS 304.9-430 except that he or she has not had experience or special education or training as to the handling of loss claims under insurance contracts of sufficient duration and extent to make him or her reasonably confident to fulfill the responsibilities as an adjuster, he or she shall not be required to take and successfully complete the prescribed written examination and may be issued a temporary license as an apprentice adjuster for a period not to exceed twelve (12) months.
(1) In the event that an applicant for an adjuster's license meets the qualification requirements of KRS 304.9-430 except that he or she has not had experience or special education or training as to the handling of loss claims under insurance contracts of sufficient duration and extent to make him or her reasonably confident to fulfill the responsibilities as an adjuster, he or she shall not be required to take and successfully complete the CHAPTER 141 9 prescribed written examination and may be issued a temporary license as an apprentice adjuster for a period not to exceed twelve (12) months.
[Before approving the application, ]The commissioner shall not approve an application for a resident apprentice adjuster license unless the commissioner Page 17 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN determines that[determine whether] the applicant:
[Before approving the application, ]The commissioner shall not approve an application for a resident apprentice adjuster license unless the commissioner determines that[determine whether] the applicant:
Page 18 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (d) The apprentice adjuster shall not be required to pass the independent or public adjuster examination, as required by KRS 304.9-430(2), to adjust claims as an apprentice adjuster.
(d) The apprentice adjuster shall not be required to pass the independent or public adjuster examination, as required by KRS 304.9-430(2), to adjust claims as an apprentice adjuster.
At any time during the apprenticeship, the apprentice adjuster may choose to take the examination required by KRS 304.9-430(2) and, if he or she passes the examination, the apprentice adjuster license shall automatically terminate and an adjuster license shall be issued to that individual in place thereof;
At any time during the apprenticeship, the apprentice adjuster may choose to take the examination required by KRS 304.9- 430(2) and, if he or she passes the examination, the apprentice adjuster license shall automatically terminate and an adjuster license shall be issued to that individual in place thereof;
(a) An application for a temporary or apprentice adjuster license from a person that would be supervised by a public adjuster shall not be accepted or approved by the commissioner;
Legislative Research Commission PDF Version ACTS OF THE GENERAL ASSEMBLY (a) An application for a temporary or apprentice adjuster license from a person that would be supervised by a public adjuster shall not be accepted or approved by the commissioner;
(b) Subject to subsection (3) of Section 7 of this Act, the commissioner may Page 19 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN approve a form that allows a public adjuster to be compensated for services provided to an insured prior to the:
(b) Subject to subsection (3) of Section 7 of this Act, the commissioner may approve a form that allows a public adjuster to be compensated for services provided to an insured prior to the:
Page 20 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (a) The legible full name of the adjuster signing the contract, as specified in the department's licensing records;
(a) The legible full name of the adjuster signing the contract, as specified in the department's licensing records;
and 2.
and CHAPTER 141 11 2.
If the compensation is based on a percentage of the insurance settlement, the exact percentage, which shall be in accordance with KRS 304.9- 4333;
If the compensation is based on a percentage of the insurance settlement, the exact percentage, which shall be in accordance with KRS 304.9-4333;
Page 21 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (m) The process for rescinding the contract, including the date by which rescission of the contract by the adjuster or the insured may occur;[ and] (n) A statement that:
(m) The process for rescinding the contract, including the date by which rescission of the contract by the adjuster or the insured may occur;[ and] (n) A statement that:
or Page 22 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (f) Precludes the adjuster from pursuing civil remedies.
or (f) Precludes the adjuster from pursuing civil remedies.
2.
Legislative Research Commission PDF Version ACTS OF THE GENERAL ASSEMBLY 2.
The public adjuster shall not be a Page 23 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN representative or employee of the insurer.
The public adjuster shall not be a representative or employee of the insurer.
Page 24 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN 1.
1.
(1) A public adjuster shall give an insured written notice of the insured's rights under this section and KRS 304.9-433 and 304.9-4332.
(1) A public adjuster shall give an insured written notice of the insured's rights under this section and KRS 304.9- and 304.9-4332.
(2) A public adjuster shall ensure that:
CHAPTER 141 13 (2) A public adjuster shall ensure that:
Page 25 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (b) Obtaining necessary information to investigate and respond to a claim;
(b) Obtaining necessary information to investigate and respond to a claim;
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(c) Have a financial interest in, or otherwise be affiliated with, any salvage, repair, or any other business entity or person that obtains business in connection with any claim that the public adjuster has a contract to adjust;[ or] Page 26 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (d) Utilize a contractor, another form of business, or any other person to solicit or obtain contract signatures;
(c) Have a financial interest in, or otherwise be affiliated with, any salvage, repair, or any other business entity or person that obtains business in connection with any claim that the public adjuster has a contract to adjust;[ or] (d) Utilize a contractor, another form of business, or any other person to solicit or obtain contract signatures;
and (b) Deposited into one (1) or more separate noninterest-bearing fiduciary trust accounts in a financial institution licensed to do business in this state no later than the close of the second business day from the receipt of the funds.
and Legislative Research Commission PDF Version ACTS OF THE GENERAL ASSEMBLY (b) Deposited into one (1) or more separate noninterest-bearing fiduciary trust accounts in a financial institution licensed to do business in this state no later than the close of the second business day from the receipt of the funds.
(3) For[A public adjuster shall maintain an accurate record and itemization of] any funds deposited into an account under subsection (1) of this section, a public Page 27 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN adjuster shall:
(3) For[A public adjuster shall maintain an accurate record and itemization of] any funds deposited into an account under subsection (1) of this section, a public adjuster shall:
(a)[1.] Be based only on the amount of the insurance settlement proceeds actually received by the insured;[ and] (b)[2.] Be collected by the public adjuster after the insured has received the insurance settlement proceeds from the insurer;
(a)[1.]Be based only on the amount of the insurance settlement proceeds actually received by the insured;[ and] (b)[2.]Be collected by the public adjuster after the insured has received the insurance settlement proceeds from the insurer;
Page 28 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN i.
i.
(a) Not receive a commission consisting of a percentage rate[of the total amount paid by the insurer to resolve a claim];
CHAPTER 141 15 (a) Not receive a commission consisting of a percentage rate[of the total amount paid by the insurer to resolve a claim];
(1) The commissioner may place on probation, suspend, or may impose conditions Page 29 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN upon the continuance of a license for not more than twenty-four (24) months, revoke, or refuse to issue or renew any license issued under this subtitle or any surplus lines broker, life settlement broker, or life settlement provider license, or may levy a civil penalty in accordance with KRS 304.99-020, or any combination of actions for any one (1) or more of the following causes:
(1) The commissioner may place on probation, suspend, or may impose conditions upon the continuance of a license for not more than twenty-four (24) months, revoke, or refuse to issue or renew any license issued under this subtitle or any surplus lines broker, life settlement broker, or life settlement provider license, or may levy a civil penalty in accordance with KRS 304.99-020, or any combination of actions for any one (1) or more of the following causes:
Page 30 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (j) Surrendering or otherwise terminating any license issued by this state or by any other jurisdiction, under threat of disciplinary action, denial, or refusal of the issuance of or renewal of any other license issued by this state or by any other jurisdiction;
(j) Surrendering or otherwise terminating any license issued by this state or by any other jurisdiction, under threat of disciplinary action, denial, or refusal of the issuance of or renewal of any other license issued by this state or by any other jurisdiction;
(s) Entering into any life settlement contract or using any form that has not been approved pursuant to Subtitle 15 of this chapter;
Legislative Research Commission PDF Version ACTS OF THE GENERAL ASSEMBLY (s) Entering into any life settlement contract or using any form that has not been approved pursuant to Subtitle 15 of this chapter;
(t) If a licensee, having assigned, transferred, or pledged a policy subject to a life Page 31 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN settlement contract to a person other than a life settlement provider licensed in this state, an accredited investor or qualified institutional buyer as defined, respectively, in Regulation D, Rule 501 or Rule 144a of the Federal Securities Act of 1933, as amended, a financing entity, a special purpose entity, or a related provider trust;
(t) If a licensee, having assigned, transferred, or pledged a policy subject to a life settlement contract to a person other than a life settlement provider licensed in this state, an accredited investor or qualified institutional buyer as defined, respectively, in Regulation D, Rule 501 or Rule 144a of the Federal Securities Act of 1933, as amended, a financing entity, a special purpose entity, or a related provider trust;
Page 32 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (3) The license of a business entity may be suspended, revoked, or refused for any cause relating to an individual designated in or registered under the license if the commissioner finds that:
(3) The license of a business entity may be suspended, revoked, or refused for any cause relating to an individual designated in or registered under the license if the commissioner finds that:
(8) If the commissioner denies a license application or suspends, revokes, or refuses to renew the license of a life settlement provider or life settlement broker, or suspends, revokes, or refuses to renew the license of a licensed life insurance agent operating as a life settlement broker pursuant to KRS 304.15-700, the commissioner shall Page 33 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN comply with the provisions of this section and KRS Chapter 13B.
(8) If the commissioner denies a license application or suspends, revokes, or refuses to renew the license of a life settlement provider or life settlement broker, or suspends, revokes, or refuses to renew the license of a licensed life insurance agent operating as a life settlement broker pursuant to KRS 304.15-700, the commissioner shall comply with the provisions of this section and KRS Chapter 13B.
(1) (a) A violation of Section 4, 5, 6, or 7 of this Act shall be deemed to be an unfair, false, misleading, or deceptive act or practice in the conduct of trade or commerce in violation of KRS 367.170.
CHAPTER 141 17 (1) (a) A violation of Section 4, 5, 6, or 7 of this Act shall be deemed to be an unfair, false, misleading, or deceptive act or practice in the conduct of trade or commerce in violation of KRS 367.170.
Page 34 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN Section 11.
Section 11.
Page 35 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (b) Licensees not licensed for one (1) full year prior to the end of the applicable continuing education biennium;
(b) Licensees not licensed for one (1) full year prior to the end of the applicable continuing education biennium;
(5) Beginning July 31, 2012, an individual who holds an independent or public adjuster license and who is not exempt under KRS 304.9-430(10)[ or (11)], shall satisfactorily complete a minimum of twenty-four (24) hours of continuing education courses, of which three (3) hours shall have a course concentration in ethics in accordance with subsection (4) of this section.
(5) Beginning July 31, 2012, an individual who holds an independent or public adjuster license and who is not exempt under KRS 304.9-430(10)[ or (11)], shall satisfactorily complete a minimum of twenty-four (24) hours Legislative Research Commission PDF Version ACTS OF THE GENERAL ASSEMBLY of continuing education courses, of which three (3) hours shall have a course concentration in ethics in accordance with subsection (4) of this section.
Any part of the Health Underwriter Training Council health course Page 36 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN curriculum;
Any part of the Health Underwriter Training Council health course curriculum;
Page 37 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (e) For continuing education courses of reciprocal states, continuing education providers shall be approved in accordance with the provisions of the reciprocal agreements.
(e) For continuing education courses of reciprocal states, continuing education providers shall be approved in accordance with the provisions of the reciprocal agreements.
(11) The provider shall furnish to the commissioner certification as to the continuing education courses satisfactorily completed by each licensee.
CHAPTER 141 19 (11) The provider shall furnish to the commissioner certification as to the continuing education courses satisfactorily completed by each licensee.
(12) The license or line of authority requiring continuing education shall expire if the individual holding the license or line of authority fails to comply with the continuing education requirement and has not been granted an extension of time to Page 38 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN comply in accordance with subsection (9) of this section.
(12) The license or line of authority requiring continuing education shall expire if the individual holding the license or line of authority fails to comply with the continuing education requirement and has not been granted an extension of time to comply in accordance with subsection (9) of this section.
Page 39 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN (i) Division of Blackburn Correctional Complex;
(i) Division of Blackburn Correctional Complex;
(4) Office of Community Services and Facilities, which shall have the following divisions:
Legislative Research Commission PDF Version ACTS OF THE GENERAL ASSEMBLY (4) Office of Community Services and Facilities, which shall have the following divisions:
(1) The commissioner shall notify a guaranty fund if the commissioner has knowledge Page 40 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN that any member of the guaranty fund has failed to timely pay workers' compensation benefits required by this chapter or if a court of competent jurisdiction has declared the member to be bankrupt or insolvent.
(1) The commissioner shall notify a guaranty fund if the commissioner has knowledge that any member of the guaranty fund has failed to timely pay workers' compensation benefits required by this chapter or if a court of competent jurisdiction has declared the member to be bankrupt or insolvent.
Where the guaranty fund member-assessment account is used to pay workers' compensation claims on an emergency or an interim basis, pending receipt by the guaranty fund of security which is due but not yet received, the member-assessment Page 41 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN account shall be reimbursed for payment from the security when it is received, and the priorities stated above shall thereafter apply.
Where the guaranty fund member-assessment account is used to pay workers' compensation claims on an emergency or an interim basis, pending receipt by the guaranty fund of security which is due but not yet received, the member-assessment account shall be reimbursed for payment from the security when it is received, and the priorities stated above shall thereafter apply.
(4) (a) To the extent necessary to secure funds for the initial establishment of each guaranty fund member-assessment account, the board of directors of each guaranty fund created pursuant to this section shall levy assessments based on the premium of each individual self-insured employer, as defined and calculated pursuant to KRS 342.0011(28), for members of the Kentucky individual self-insurers guaranty fund and for the Kentucky coal employers self-insurance guaranty fund, and KRS 342.0011(24) for the Kentucky group self-insurance guaranty fund, but no such assessments shall ever exceed, in the aggregate, from all members of a single guaranty fund, an amount in excess of one million dollars ($1,000,000) at any given time.
(4) (a) To the extent necessary to secure funds for the initial establishment of each guaranty fund member- assessment account, the board of directors of each guaranty fund created pursuant to this section shall levy assessments based on the premium of each individual self-insured employer, as defined and calculated pursuant to KRS 342.0011(28), for members of the Kentucky individual self-insurers guaranty fund and for the Kentucky coal employers self-insurance guaranty fund, and KRS 342.0011(24) for the Kentucky group self-insurance guaranty fund, but no such assessments shall ever exceed, in the aggregate, from all members of a single guaranty fund, an amount in excess of one million dollars ($1,000,000) at any given time.
One-half of one percent (0.5%) of the premium for each member of the Kentucky individual self-insurance guaranty fund as defined and calculated pursuant to KRS 342.0011(28);
One-half of one percent (0.5%) of the premium for each member of the Kentucky individual self- insurance guaranty fund as defined and calculated pursuant to KRS 342.0011(28);
and 3.
and CHAPTER 141 21 3.
There shall be no reassessments against any member unless the current balance of such guaranty fund created pursuant this section is insufficient after deducting the amount paid for or reserved for Page 42 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN outstanding claims and for administrative and other costs in managing the guaranty fund at which point the board of directors shall raise assessments sufficient to bring the minimum amount of the guaranty fund to five hundred thousand dollars ($500,000) or such other amount not to exceed, in any event, one million dollars ($1,000,000) based upon a maximum annual assessment for each guaranty fund.
There shall be no reassessments against any member unless the current balance of such guaranty fund created pursuant this section is insufficient after deducting the amount paid for or reserved for outstanding claims and for administrative and other costs in managing the guaranty fund at which point the board of directors shall raise assessments sufficient to bring the minimum amount of the guaranty fund to five hundred thousand dollars ($500,000) or such other amount not to exceed, in any event, one million dollars ($1,000,000) based upon a maximum annual assessment for each guaranty fund.
"Member fund" means a member or former member of the Kentucky group self-insurance fund that is assessed under subsection (4) of this section on or after January 1, 2026, for liabilities incurred while a Page 43 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed UNOFFICIAL COPY 26 RS HB 568/EN member.
"Member fund" means a member or former member of the Kentucky group self-insurance fund that is assessed under subsection (4) of this section on or after January 1, 2026, for liabilities incurred while a member.
Page 44 of 44 HB056820.100 - 473 - XXXX 4/2/2026 12:15 AM Engrossed
Signed by Governor April 13, 2026.
Legislative Research Commission PDF Version
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Action History

  1. signed by Governor (Acts Ch. 141)

  2. delivered to Governor

  3. enrolled, signed by President of the Senate

  4. enrolled, signed by Speaker of the House

  5. passed 91-0

  6. Free Conference Committee report adopted in House

  7. posted for passage for consideration of Free Conference Committee Report

  8. taken from Rules

  9. to Rules (H)

  10. received in House

  11. passed 33-1

  12. Free Conference Committee report adopted in Senate

  13. posted for passage for consideration of Free Conference Conference Report (1)

  14. Free Conference Committee report filed in House and Senate

  15. Free Conference Committee appointed in House and Senate

  16. Conference Committee report adopted in House and Senate

  17. Conference Committee report filed in House and Senate

  18. Conference Committee appointed in House and Senate

  19. Senate refused to recede from Committee Substitute (1), Floor Amendment (1) and Floor Amendment (2-title)

  20. posted for passage for receding from Senate Floor Amendments (1) and (2-title) and Committee Substitute (1)

  21. to Rules (S)

  22. received in Senate

  23. House refused to concur in Senate Committee Substitute (1), Floor Amendment (1) and Floor Amendment (2-title)

  24. posted for passage for concurrence in Senate Committee Substitute (1), Floor Amendment (1) and Floor Amendment (2-title)

  25. to Rules (H)

  26. received in House

  27. passed 36-0 with Committee Substitute (1), Floor Amendment (1) and Floor Amendment (2-title)

  28. floor amendment (3) withdrawn

  29. floor amendment (4) withdrawn

  30. 3rd reading

  31. floor amendment (4) filed to Committee Substitute , floor amendment (3-title) filed to bill

  32. passed over and retained in the Orders of the Day

  33. posted for passage in the Regular Orders of the Day for Tuesday, March 31 2026

  34. floor amendment (1) filed to Committee Substitute , floor amendment (2-title) filed to bill

  35. 2nd reading, to Rules

  36. reported favorably, 1st reading, to Calendar with Committee Substitute (1)

  37. to Banking & Insurance (S)

  38. to Committee on Committees (S)

  39. received in Senate

  40. 3rd reading, passed 95-1

  41. posted for passage in the Regular Orders of the Day for Friday, February 20 2026

  42. 2nd reading, to Rules

  43. reported favorably, 1st reading, to Calendar

  44. to Banking & Insurance (H)

  45. to Committee on Committees (H)

  46. introduced in House

Sponsors

Sponsorship breakdown

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9 sponsors · 0 co-sponsors · 129 not signed on · 2 voted No

Sponsors (9)

Co-sponsors (0)

None.

Not signed on (129)

129 members have not signed on to this bill.

Show all 129 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

FINAL PASSAGE OF HB 568

Passed 33 Yea · 1 Nay · 4 Other
Party YeaNayPresentNot Voting
Republican 29103
Democrat 4001
Total 33104
% of votes cast 87%3%0%11%
How each member voted (38)
Member Party Vote
Cassie Chambers Armstrong Democrat Yea
Gary Clemons Democrat Yea
Gerald A. Neal Democrat Yea
Karen Berg Democrat Not Voting
Keturah J. Herron Democrat Yea
Aaron Reed Republican Yea
Amanda Mays Bledsoe Republican Yea
Brandon J. Storm Republican Yea
Christian McDaniel Republican Yea
Craig Richardson Republican Yea
Danny Carroll Republican Yea
David P. Givens Republican Yea
Donald Douglas Republican Yea
Gary Boswell Republican Yea
Greg Elkins Republican Yea
Jared Carpenter Republican Not Voting
Jason Howell Republican Yea
Jason Nemes Republican Yea
Jimmy Higdon Republican Not Voting
Julie Raque Adams Republican Yea
Lindsey Tichenor Republican Nay
Matt Nunn Republican Yea
Matthew Deneen Republican Yea
Max Wise Republican Yea
Michael Meredith Republican Yea
Nick Wilson Republican Yea
Phillip Wheeler Republican Yea
Rick Girdler Republican Yea
Robby Mills Republican Yea
Robert Stivers Republican Yea
Robin L. Webb Republican Yea
Scott Madon Republican Yea
Shelley Funke Frommeyer Republican Yea
Stephen West Republican Yea
Steve Rawlings Republican Yea
Tom Smith Republican Not Voting
Wade Williams Republican Yea
Walker Thomas Republican Yea

Official roll call →

Final Passage

Passed 91 Yea · 0 Nay · 9 Other
Party YeaNayPresentNot Voting
Democrat 17003
Republican 73006
Unaffiliated 1000
Total 91009
% of votes cast 91%0%0%9%
How each member voted (100)
Member Party Vote
Lewis C — Yea
Adam Moore Democrat Yea
Adrielle Camuel Democrat Yea
Al Gentry Democrat Yea
Anne Gay Donworth Democrat Yea
Ashley Tackett Laferty Democrat Not Voting
Beverly Chester-Burton Democrat Not Voting
Chad Aull Democrat Yea
Daniel Grossberg Democrat Yea
Erika Hancock Democrat Yea
George Brown Jr. Democrat Yea
Joshua Watkins Democrat Yea
Lindsey Burke Democrat Yea
Lisa Willner Democrat Yea
Mary Lou Marzian Democrat Not Voting
Matthew Lehman Democrat Yea
Nima Kulkarni Democrat Yea
Pamela Stevenson Democrat Yea
Rachel Roarx Democrat Yea
Sarah Stalker Democrat Yea
Tina Bojanowski Democrat Yea
Aaron Thompson Republican Yea
Adam Bowling Republican Yea
Amy Neighbors Republican Yea
Bill Wesley Republican Yea
Bobby McCool Republican Yea
Candy Massaroni Republican Yea
Chris Freeland Republican Yea
Chris Fugate Republican Yea
DJ Johnson Republican Yea
Daniel Elliott Republican Not Voting
Daniel Fister Republican Yea
David Hale Republican Yea
David Meade Republican Yea
David W. Osborne Republican Yea
Deanna Gordon Republican Yea
Derek Lewis Republican Yea
Emily Callaway Republican Yea
Felicia Rabourn Republican Yea
J.T. Payne Republican Yea
James Tipton Republican Yea
Jared Bauman Republican Yea
Jason Nemes Republican Yea
Jason Petrie Republican Not Voting
Jennifer Decker Republican Yea
Jim Gooch Jr. Republican Yea
John Blanton Republican Yea
John Hodgson Republican Yea
Josh Branscum Republican Yea
Josh Bray Republican Yea
Josh Calloway Republican Yea
Ken Fleming Republican Yea
Ken Upchurch Republican Yea
Kevin Jackson Republican Yea
Kim Banta Republican Yea
Kim Holloway Republican Yea
Kim King Republican Yea
Kimberly Poore Moser Republican Yea
Marianne Proctor Republican Yea
Mark Hart Republican Yea
Mary Beth Imes Republican Yea
Matt Lockett Republican Yea
Matthew Koch Republican Yea
Michael Meredith Republican Yea
Michael Sarge Pollock Republican Yea
Mike Clines Republican Yea
Mitch Whitaker Republican Yea
Myron Dossett Republican Yea
Nancy Tate Republican Not Voting
Nick Wilson Republican Yea
Patrick Flannery Republican Yea
Peyton Griffee Republican Yea
Randy Bridges Republican Yea
Rebecca Raymer Republican Yea
Richard White Republican Not Voting
Robert Duvall Republican Yea
Ryan Bivens Republican Yea
Ryan Dotson Republican Yea
Samara Heavrin Republican Yea
Savannah Maddox Republican Yea
Scott Lewis Republican Yea
Scott Sharp Republican Yea
Shane Baker Republican Yea
Shawn McPherson Republican Yea
Stephanie Dietz Republican Yea
Steve Bratcher Republican Yea
Steve Riley Republican Yea
Steven Doan Republican Yea
Steven Rudy Republican Yea
Susan Witten Republican Yea
Suzanne Miles Republican Yea
T.J. Roberts Republican Yea
Thomas Huff Republican Yea
Timmy Truett Republican Yea
Tom Smith Republican Yea
Tony Hampton Republican Not Voting
Vanessa Grossl Republican Yea
Wade Williams Republican Yea
Walker Thomas Republican Yea
William Lawrence Republican Not Voting

Official roll call →

PASS HB 568 w/ SCS 1, SFA 1, SFA 2 (T)

Passed 36 Yea · 0 Nay · 2 Other
Party YeaNayPresentNot Voting
Democrat 5000
Republican 31002
Total 36002
% of votes cast 95%0%0%5%
How each member voted (38)
Member Party Vote
Cassie Chambers Armstrong Democrat Yea
Gary Clemons Democrat Yea
Gerald A. Neal Democrat Yea
Karen Berg Democrat Yea
Keturah J. Herron Democrat Yea
Aaron Reed Republican Yea
Amanda Mays Bledsoe Republican Yea
Brandon J. Storm Republican Yea
Christian McDaniel Republican Yea
Craig Richardson Republican Yea
Danny Carroll Republican Yea
David P. Givens Republican Yea
Donald Douglas Republican Yea
Gary Boswell Republican Yea
Greg Elkins Republican Yea
Jared Carpenter Republican Yea
Jason Howell Republican Yea
Jason Nemes Republican Yea
Jimmy Higdon Republican Yea
Julie Raque Adams Republican Yea
Lindsey Tichenor Republican Not Voting
Matt Nunn Republican Yea
Matthew Deneen Republican Yea
Max Wise Republican Yea
Michael Meredith Republican Yea
Nick Wilson Republican Yea
Phillip Wheeler Republican Yea
Rick Girdler Republican Yea
Robby Mills Republican Yea
Robert Stivers Republican Not Voting
Robin L. Webb Republican Yea
Scott Madon Republican Yea
Shelley Funke Frommeyer Republican Yea
Stephen West Republican Yea
Steve Rawlings Republican Yea
Tom Smith Republican Yea
Wade Williams Republican Yea
Walker Thomas Republican Yea

Official roll call →

Pass

Passed 95 Yea · 1 Nay · 4 Other
Party YeaNayPresentNot Voting
Democrat 20000
Republican 74104
Unaffiliated 1000
Total 95104
% of votes cast 95%1%0%4%
How each member voted (100)
Member Party Vote
Lewis C — Yea
Adam Moore Democrat Yea
Adrielle Camuel Democrat Yea
Al Gentry Democrat Yea
Anne Gay Donworth Democrat Yea
Ashley Tackett Laferty Democrat Yea
Beverly Chester-Burton Democrat Yea
Chad Aull Democrat Yea
Daniel Grossberg Democrat Yea
Erika Hancock Democrat Yea
George Brown Jr. Democrat Yea
Joshua Watkins Democrat Yea
Lindsey Burke Democrat Yea
Lisa Willner Democrat Yea
Mary Lou Marzian Democrat Yea
Matthew Lehman Democrat Yea
Nima Kulkarni Democrat Yea
Pamela Stevenson Democrat Yea
Rachel Roarx Democrat Yea
Sarah Stalker Democrat Yea
Tina Bojanowski Democrat Yea
Aaron Thompson Republican Yea
Adam Bowling Republican Yea
Amy Neighbors Republican Yea
Bill Wesley Republican Yea
Bobby McCool Republican Yea
Candy Massaroni Republican Yea
Chris Freeland Republican Yea
Chris Fugate Republican Yea
DJ Johnson Republican Yea
Daniel Elliott Republican Yea
Daniel Fister Republican Yea
David Hale Republican Yea
David Meade Republican Yea
David W. Osborne Republican Yea
Deanna Gordon Republican Yea
Derek Lewis Republican Yea
Emily Callaway Republican Yea
Felicia Rabourn Republican Yea
J.T. Payne Republican Yea
James Tipton Republican Yea
Jared Bauman Republican Yea
Jason Nemes Republican Yea
Jason Petrie Republican Yea
Jennifer Decker Republican Yea
Jim Gooch Jr. Republican Not Voting
John Blanton Republican Yea
John Hodgson Republican Yea
Josh Branscum Republican Yea
Josh Bray Republican Yea
Josh Calloway Republican Not Voting
Ken Fleming Republican Yea
Ken Upchurch Republican Yea
Kevin Jackson Republican Yea
Kim Banta Republican Yea
Kim Holloway Republican Nay
Kim King Republican Yea
Kimberly Poore Moser Republican Yea
Marianne Proctor Republican Yea
Mark Hart Republican Yea
Mary Beth Imes Republican Yea
Matt Lockett Republican Yea
Matthew Koch Republican Yea
Michael Meredith Republican Yea
Michael Sarge Pollock Republican Yea
Mike Clines Republican Yea
Mitch Whitaker Republican Yea
Myron Dossett Republican Yea
Nancy Tate Republican Yea
Nick Wilson Republican Not Voting
Patrick Flannery Republican Yea
Peyton Griffee Republican Yea
Randy Bridges Republican Yea
Rebecca Raymer Republican Yea
Richard White Republican Yea
Robert Duvall Republican Yea
Ryan Bivens Republican Yea
Ryan Dotson Republican Yea
Samara Heavrin Republican Yea
Savannah Maddox Republican Yea
Scott Lewis Republican Yea
Scott Sharp Republican Yea
Shane Baker Republican Yea
Shawn McPherson Republican Yea
Stephanie Dietz Republican Yea
Steve Bratcher Republican Yea
Steve Riley Republican Yea
Steven Doan Republican Yea
Steven Rudy Republican Yea
Susan Witten Republican Yea
Suzanne Miles Republican Yea
T.J. Roberts Republican Not Voting
Thomas Huff Republican Yea
Timmy Truett Republican Yea
Tom Smith Republican Yea
Tony Hampton Republican Yea
Vanessa Grossl Republican Yea
Wade Williams Republican Yea
Walker Thomas Republican Yea
William Lawrence Republican Yea

Official roll call →

Subjects

public-safety finance labor health-insurance
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Frequently asked questions

What does HB 568 do?
Amend KRS 304.9-020 to modify the definition of "apprentice adjuster," "negotiate," and "public adjuster"; amend KRS 304.9-430 to prohibit the issuing of a public adjuster license on or after the effective date of the Act; amend KRS 304.9-432 to prohibit issuing an apprentice adjuster license to a person that is supervised by a public adjuster; prohibit temporary or apprentice adjuster licensees from taking an examination for, or being issued, a public adjuster license; amend KRS 304.9-433 to prohibit a public adjuster from providing services until the required rescission period has concluded; establish information to be included in contracts between a public adjuster and an insured; require a public adjuster to provide a physical copy of the contract to the insured and insurer; modify the required rescission period for contracts between a public adjuster and an insured; provide that contracts in violation of KRS Chapter 304 are not enforceable; amend KRS 304.9-4331 to prohibit a public adjuster from being affiliated with an entity or person that obtains business in connection with a claim, utilizing a contractor, another form of business, or other person to solicit or obtain contract signatures; prohibit a public adjuster from negotiating with an insurer on behalf of an insured; amend KRS 304.9-4332 to require a public adjuster to provide insured with a receipt of deposit within 3 business days; amend KRS 304.9-4333 to modify fees that may be charged by a public adjuster; amend KRS 304.9-440 to require the commissioner to take certain regulatory actions against an adjuster or apprentice licensee under certain conditions; amend KRS 304.9-436 and 304.9-295 to conform; make conforming and technical amendments throughout; direct that certain sections apply to contracts entered on or after the effective date of the Act.
Who sponsors HB 568?
HB 568 is sponsored by Michael Sarge Pollock (Republican), Suzanne Miles (Republican), Matt Lockett (Republican), Erika Hancock (Democrat), Jim Gooch Jr. (Republican), Robert Duvall (Republican), George Brown Jr. (Democrat), Chad Aull (Democrat), and Michael Meredith (Republican).
What is the current status of HB 568?
This bill has been enacted into law. Introduced February 05, 2026. Enacted.
Where can I track HB 568?
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