KRS 304.20-340: Declination or termination prohibited, when.

The declination or termination of a policy of insurance subject to KRS 304.20 -300 to

304.20-350 by an insurer or agent is prohibited if the declination or termination is:

(1) Based solely upon the race, religion, nationality, ethnic group, age, sex, or mar ital

status of the applicant or named insured;

(2) Based solely upon the lawful occupation or profession of the applicant or named

insured, except that this provision shall not apply to an insurer which limits its

market to one (1) lawful occupation or pro fession or to several related lawful

occupations or professions or to an insurer that does not provide the kind of

insurance sought by the applicant;

(3) Based solely upon the age or location of the residence or property of the applicant or

named insured, unless such decision is for a business purpose which is not a mere

pretext for unfair discrimination;

(4) Based solely upon the fact that another insurer previously declined to insure the

applicant or terminated an existing policy in which the applicant wa s the named

insured;

(5) Based solely upon the fact that the applicant or named insured previously obtained

insurance through a residual market mechanism;

(6) Based solely upon the fact that the applicant or named insured has previously

obtained property o r casualty insurance from a carrier providing nonstandard

coverage; or

(7) Based solely upon the fact that the applicant or named insured has sustained one (1)

or more losses that immediately result from a natural cause without the intervention

of any person and that could not have been prevented by the exercise of prudence,

diligence, and care.