# Kentucky HB 568: AN ACT relating to public protection and declaring an emergency. Kentucky HB 568, AN ACT relating to public protection and declaring an emergency., is a 2026 Regular Session House bill sponsored by Michael Meredith (Republican); status signed, last action 2026-04-13 (signed by Governor (Acts Ch. 141)); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/KY-HB568-2026RS - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Kentucky HB 568 - State: Kentucky - Session: 2026 Regular Session - Title: AN ACT relating to public protection and declaring an emergency. - Status: signed - Chamber: House - Introduced: 2026-02-05 - Last action: 2026-04-13, signed by Governor (Acts Ch. 141) - Sponsor: Michael Meredith (Republican) - Cosponsors: 8 - Subjects: Contracts, Fees, Insurance, Licensing, State Agencies - Touches household money: yes - Roll calls: 3 (222 yes, 1 no in all) - Economic provisions PRIA read: 8 ## Summary No summary available. ## Bill overview: provisions PRIA read - Public adjuster fees capped and refunds: benefit, high. 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 de… - Stronger oversight of pharmacy managers: benefit, medium. 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. - Faster insurer access and conflict checks: benefit, low. 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… - Two-year ban on adjuster negotiations: cost, medium. 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: cost, medium. 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… - Stronger training rules for insurance licensees: cost, low. 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: cost, low. 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: mixed, low. 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 and cosponsors - Sponsor: Michael Meredith (Republican), House - Cosponsor: Chad Aull (Democrat), House - Cosponsor: Erika Hancock (Democrat), House - Cosponsor: George Brown Jr. (Democrat), House - Cosponsor: Jim Gooch Jr. (Republican), House - Cosponsor: Matt Lockett (Republican), House - Cosponsor: Michael Sarge Pollock (Republican), House - Cosponsor: Robert Duvall (Republican), House - Cosponsor: Suzanne Miles (Republican), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-04-01 | House | passed | pass | 91 | 0 | | | 2026-04-01 | Senate | passed | pass | 36 | 0 | | | 2026-02-24 | House | 3rd reading, passed | pass | 95 | 1 | | ## Actions (46) - 2026-04-13: signed by Governor (Acts Ch. 141) - 2026-04-02: delivered to Governor - 2026-04-02: enrolled, signed by President of the Senate (House) - 2026-04-02: enrolled, signed by Speaker of the House (House) - 2026-04-01: passed 91-0 (House) - 2026-04-01: Free Conference Committee report adopted in House (House) - 2026-04-01: posted for passage for consideration of Free Conference Committee Report (House) - 2026-04-01: taken from Rules (House) - 2026-04-01: to Rules (H) (House) - 2026-04-01: received in House (House) - 2026-04-01: passed 33-1 (Senate) - 2026-04-01: Free Conference Committee report adopted in Senate (Senate) - 2026-04-01: posted for passage for consideration of Free Conference Conference Report (1) (House) - 2026-04-01: Free Conference Committee report filed in House and Senate (House) - 2026-04-01: Free Conference Committee appointed in House and Senate (House) - 2026-04-01: Conference Committee report adopted in House and Senate (House) - 2026-04-01: Conference Committee report filed in House and Senate (House) - 2026-04-01: Conference Committee appointed in House and Senate (House) - 2026-04-01: Senate refused to recede from Committee Substitute (1), Floor Amendment (1) and Floor Amendment (2-title) (Senate) - 2026-04-01: posted for passage for receding from Senate Floor Amendments (1) and (2-title) and Committee Substitute (1) (Senate) - 2026-04-01: to Rules (S) (Senate) - 2026-04-01: received in Senate (Senate) - 2026-04-01: House refused to concur in Senate Committee Substitute (1), Floor Amendment (1) and Floor Amendment (2-title) (Senate) - 2026-04-01: posted for passage for concurrence in Senate Committee Substitute (1), Floor Amendment (1) and Floor Amendment (2-title) (Senate) - 2026-04-01: to Rules (H) (House) - 2026-04-01: received in House (House) - 2026-04-01: passed 36-0 with Committee Substitute (1), Floor Amendment (1) and Floor Amendment (2-title) (Senate) - 2026-04-01: floor amendment (3) withdrawn (Senate) - 2026-04-01: floor amendment (4) withdrawn (Senate) - 2026-04-01: 3rd reading (Senate) - 2026-03-31: floor amendment (4) filed to Committee Substitute , floor amendment (3-title) filed to bill (Senate) - 2026-03-31: passed over and retained in the Orders of the Day (Senate) - 2026-03-31: posted for passage in the Regular Orders of the Day for Tuesday, March 31 2026 (Senate) - 2026-03-25: floor amendment (1) filed to Committee Substitute , floor amendment (2-title) filed to bill (Senate) - 2026-03-25: 2nd reading, to Rules (Senate) - 2026-03-24: reported favorably, 1st reading, to Calendar with Committee Substitute (1) (Senate) - 2026-03-13: to Banking & Insurance (S) (Senate) - 2026-02-25: to Committee on Committees (S) (Senate) - 2026-02-25: received in Senate (Senate) - 2026-02-24: 3rd reading, passed 95-1 (House) - 2026-02-19: posted for passage in the Regular Orders of the Day for Friday, February 20 2026 (House) - 2026-02-19: 2nd reading, to Rules (House) - 2026-02-18: reported favorably, 1st reading, to Calendar (House) - 2026-02-12: to Banking & Insurance (H) (House) - 2026-02-05: to Committee on Committees (H) (House) - 2026-02-05: introduced in House (House) ## Bill text - Current, 2026-04-02: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/hb568/bill.pdf) - Introduced, 2026-02-24: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/hb568/orig_bill.pdf) ## Related bills - SB 197: AN ACT providing funding and establishing conditions for state government agencies and institutions, making an appropriation therefor, and declaring an emergen… (became law) - SB 133: AN ACT relating to the fiscal reporting of local entities. (signed) - HB 869: AN ACT relating to fiscal matters and declaring an emergency. (signed) - HB 727: AN ACT relating to education and declaring an emergency. (signed) - SB 324: AN ACT relating to the entertainment industry. (signed) - SB 66: AN ACT relating to the operation of a motor vehicle. (signed) ## Sources - [Current (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/hb568/bill.pdf) - [Introduced (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/hb568/orig_bill.pdf) ## Related - [SB 197: AN ACT providing funding and establishing conditions for state government agenc…](https://policyrisk.com/state-bill/KY-SB197-2026RS) - [SB 133: AN ACT relating to the fiscal reporting of local entities.](https://policyrisk.com/state-bill/KY-SB133-2026RS) - [HB 869: AN ACT relating to fiscal matters and declaring an emergency.](https://policyrisk.com/state-bill/KY-HB869-2026RS) - [HB 727: AN ACT relating to education and declaring an emergency.](https://policyrisk.com/state-bill/KY-HB727-2026RS) - [SB 324: AN ACT relating to the entertainment industry.](https://policyrisk.com/state-bill/KY-SB324-2026RS) - [SB 66: AN ACT relating to the operation of a motor vehicle.](https://policyrisk.com/state-bill/KY-SB66-2026RS) - [Kentucky bills](https://policyrisk.com/states/kentucky/bills) - [Kentucky state hub](https://policyrisk.com/states/kentucky) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/KY-HB568-2026RS (as of 2026-11-01).