All Roll Calls
Yes: 222 • No: 1
KentuckyHB 5682026 Regular SessionHouseWALLET
AN ACT relating to public protection and declaring an emergency.
Sponsored By: Michael Meredith (Republican)
Signed by Governor
ContractsFeesInsuranceLicensingState Agencies
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Bill Overview
Analyzed Economic Effects
8 provisions identified: 3 benefits, 4 costs, 1 mixed.
Public adjuster fees capped and refunds
The law caps any fee based on your insurance settlement at 10%. A public adjuster cannot take a percentage if your insurer pays or commits to pay before you sign or before your cancellation window ends. You get five business days to cancel after you receive the physical contract (ten days during declared emergencies), and the adjuster must refund anything you paid within 15 business days. Contracts must be written on a commissioner‑approved form, include exact fees, be provided in two original physical copies, and be sent to your insurer within 72 hours; pay terms cannot be hidden from the commissioner, and illegal contracts are unenforceable. Adjusters must hold your money in a separate trust account by the close of the second business day, give you a deposit receipt within three business days, and disburse funds within 30 days after you approve work. Violations are unfair or deceptive practices, and the commissioner can fine up to $5,000 per act or take license action.
Stronger oversight of pharmacy managers
The insurance department can suspend, revoke, or refuse a pharmacy benefit manager’s license for listed violations. PBMs face the same civil penalties as insurers. The law defines what a PBM is so the state can regulate these firms.
Two-year ban on adjuster negotiations
For two years starting on this section’s effective date, public adjusters cannot negotiate with your insurer on your behalf to adjust or settle a claim. You can still get advice and assistance, but not insurer negotiations by a public adjuster during this period.
Workers’ comp guaranty fund assessments
Self‑insured employers must fund workers’ comp guaranty funds. Initial assessments total $500,000 per fund within one year, with reassessments only to restore at least $500,000 and never above a $1,000,000 aggregate cap. Annual member rates are capped at 0.5% of premium (individual fund), 2% (coal fund), and 0.75% (group fund). For 2027 and 2028, member funds must redirect the annual special fund assessment to the group fund. Funds cannot pay member dividends or similar income unless assets meet required levels and the commissioner approves.
Faster insurer access and conflict checks
Public adjusters must quickly notify your insurer of a claim and let the insurer inspect the property. They cannot block inspections or stop the insurer from talking to you. If the adjuster’s schedule would delay a timely inspection after a reasonable request, you must allow the insurer to inspect without the adjuster. Adjusters must disclose any financial ties to others in your claim and cannot have conflicts or profit from repair work they steer.
Stronger training rules for insurance licensees
Agents and adjusters must complete 24 hours of continuing education every two years, including 3 hours in ethics. You must report hours at renewal and show proof within 60 days. The commissioner can withdraw a CE provider’s approval and fine providers or instructors up to $1,000 per violation.
Two-year pause on apprentice adjusters
For two years from the effective date, Kentucky does not accept or issue temporary or apprentice adjuster licenses for people who would be supervised by a public adjuster. This temporarily blocks that entry path into the field.
Clearer insurance roles and definitions
The law updates who counts as an insurance producer and as a public adjuster, and what is portable electronics insurance. Insurers cannot do business with unlicensed adjusters except for narrow listed services. These definitions and limits clarify who must be licensed and which rules apply.
Sponsors & Cosponsors
Sponsor
Michael Meredith
Republican • House
Cosponsors
Chad Aull
Democrat • House
Erika Hancock
Democrat • House
George Brown Jr.
Democrat • House
Jim Gooch Jr.
Republican • House
Matt Lockett
Republican • House
Michael Sarge Pollock
Republican • House
Robert Duvall
Republican • House
Suzanne Miles
Republican • House
Roll Call Votes
House vote • 4/1/2026
passed
Yes: 91 • No: 0
Senate vote • 4/1/2026
passed
Yes: 36 • No: 0
House vote • 2/24/2026
3rd reading, passed
Yes: 95 • No: 1
Actions Timeline
signed by Governor (Acts Ch. 141)
4/13/2026delivered to Governor
4/2/2026enrolled, signed by President of the Senate
4/2/2026Houseenrolled, signed by Speaker of the House
4/2/2026Housepassed 91-0
4/1/2026HouseFree Conference Committee report adopted in House
4/1/2026Houseposted for passage for consideration of Free Conference Committee Report
4/1/2026Housetaken from Rules
4/1/2026Houseto Rules (H)
4/1/2026Housereceived in House
4/1/2026Housepassed 33-1
4/1/2026SenateFree Conference Committee report adopted in Senate
4/1/2026Senateposted for passage for consideration of Free Conference Conference Report (1)
4/1/2026HouseFree Conference Committee report filed in House and Senate
4/1/2026HouseFree Conference Committee appointed in House and Senate
4/1/2026HouseConference Committee report adopted in House and Senate
4/1/2026HouseConference Committee report filed in House and Senate
4/1/2026HouseConference Committee appointed in House and Senate
4/1/2026HouseSenate refused to recede from Committee Substitute (1), Floor Amendment (1) and Floor Amendment (2-title)
4/1/2026Senateposted for passage for receding from Senate Floor Amendments (1) and (2-title) and Committee Substitute (1)
4/1/2026Senateto Rules (S)
4/1/2026Senatereceived in Senate
4/1/2026SenateHouse refused to concur in Senate Committee Substitute (1), Floor Amendment (1) and Floor Amendment (2-title)
4/1/2026Senateposted for passage for concurrence in Senate Committee Substitute (1), Floor Amendment (1) and Floor Amendment (2-title)
4/1/2026Senateto Rules (H)
4/1/2026House
Bill Text
Current
4/2/2026
Introduced
2/24/2026
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