KRS 304.13-131: Insurer and advisory organization activities prohibited.

(1) No insurer or advisory organization shall make any arrangement with any other

insurer, advisory organization, or other person that has the purpose or effect of

unreasonably restraining trade or unreasonably lessening competition in the

business of insurance.

(2) No insurer or advisory organization shall:

(a) Attempt to monopolize, or combine, or conspire with any other person to

monopolize an insurance market; or

(b) Engage in a boycott, on a concerted basis, of an insurance market.

(3) No insurer shall agr ee with any other insurer or with an advisory organization to

mandate adherence to, or to mandate use of, any rate, prospective loss cost, rating

plan, rating schedule, rating rule, policy or bond form, rate classification, rate

territory, underwriting rule, survey, inspection or similar material, except as needed

to facilitate the reporting of statistics to advisory organizations, statistical agents, or

the commissioner. The fact that two (2) or more insurers, whether or not members

or subscribers of an ad visory organization, use consistently or intermittently the

same rates, prospective loss cost, rating plans, rating schedules, rating rules, policy

or bond forms, rate classifications, rate territories, underwriting rules, surveys, or

inspections or similar materials is not sufficient in itself to support a finding that an

agreement exists.

(4) Two (2) or more insurers having a common ownership or operating in this state

under common management or control may act in concert between or among

themselves with respect to any matters pertaining to those activities authorized in

this chapter as if they constituted a single insurer.