KRS 304.9-432: Apprentice adjuster -- License -- Rights and limitations -- Application --

Qualifications -- Terms and conditions -- Limitation for two years beginning

on April 13, 2026.

(1) In the event that an applicant for an adjuster's license meets the qu alification

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.

(2) A temporary license as an apprentice adjuster shall be subject to the following

terms and conditions:

(a) An individual holding a temporary license as apprentice adjuster shall have all

of the privileges and obligations of an adjuster licensed under the insurance

code;

(b) An individual holding a temporary license as an apprentice adjuster shall at all

times be a full-time salaried employee of an insurer or an adjuster and subject

to training, direction, and control by a licensed adjuster acting in th e same

capacity as that for which the applicant applied;

(c) A temporary license as apprentice adjuster shall be subject to suspension,

revocation, or conditions in accordance with KRS 304.9-440; and

(d) An individual may hold only one (1) temporary licens e as an apprentice

adjuster.

(3) An individual applying for a resident apprentice adjuster license shall make

application to the commissioner on the appropriate uniform individual application,

in a format prescribed by the commissioner, and declare under p enalty of

suspension, revocation, or refusal of the license that the statements made in the

application are true, correct, and complete to the best of the individual's knowledge

and belief. The commissioner shall not approve an application for a resident

apprentice adjuster license unless the commissioner determines that the applicant:

(a) Is at least eighteen (18) years of age;

(b) Is a resident of Kentucky and has designated Kentucky as his or her home

state;

(c) Has a business or mailing address in the s tate for acceptance of service of

process;

(d) Has not committ ed any act that is a ground for probation or suspension,

revocation, or denial of licensure as set forth in KRS 304.9-440;

(e) Is trustworthy, reliable, and of good reputation, evidence of which may be

determined by the commissioner;

(f) Has paid the fees prescribed by administrative regulation promulgated

pursuant to KRS 304.4-010; and

(g) Has provided an attestation from a licensed independent, staff, or public

adjuster with the same line of authority for which the apprentice has applied,

attesting that the apprentice adjuster shall be subject to training, direction, and

control by the licensed adjuster, and further certifying that the licensed

adjuster assumes responsibility for the actions of the apprentice in the

apprentice's capacity as an adjuster.

(4) The apprentice adjuster license shall be subject to the following terms and

conditions:

(a) The apprentice adjuster shall only be authorized to adjust claims in the state

that has issued the apprentice adjuster license;

(b) The apprentice adjuster shall be restricted to participation in the investigation,

settlement, and negotiation of claims subject to the review and final

determination of the claim by the supervising licensed adjuster;

(c) Compensation of an apprentice adjuster shall be on a salaried or hourly basis

only;

(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; and

(e) The apprentice adjuster license shall be for a time period not to exceed twelve

(12) months and is nonrenewable.

(5) The licensed independent, staff, or public adjuster responsible for the apprentice

adjuster shall only supervise the activities of t he apprentice adjuster as set forth in

this subtitle.

(6) Notwithstanding any other provision of this section and for a period of two (2)

years beginning on April 13, 2026:

(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; and

(b) The department shall not issue temporary or apprentice adjuster licenses to a

person that would be supervised by a public adjuster.