KRS 304.9-507: Conditions under which license authorizes employee or representative to

transact business -- Licensee may not hold self out as insurance agent without

applicable license.

(1) A license issued to a business entity under KRS 304.9 -505 shall authorize an

employee or representative of the business entity licensee to sell, solicit, or

negotiate rental vehicle insurance without being licensed, registered, or otherwise

individually identified, if all of the following are true:

(a) The employee, representati ve, or managing employee operates with

permission from the business entity licensee;

(b) The business entity licensee assumes responsibility for the insurance activities

of its unlicensed employees, representatives, or managing employees;

(c) The employee or representative operates under the supervision of a managing

employee who is licensed as a rental vehicle agent and who shall be available

at all times for consultation for and adequate supervision of the business

locations registered with the commission er during the sale, solicitation, or

negotiation of rental vehicle insurance. However, a managing employee need

not be present at each business location registered with the commissioner;

(d) The business entity maintains an adequate number of managing empl oyees

available for consultation and supervision for the employees or representatives

offering insurance products;

(e) The employee, representative, or managing employee has been instructed by

the rental vehicle agent with respect to the consumer disclosur es that are

required under KRS 304.9-509 prior to the sale of the rental vehicle insurance;

(f) The employee or representative is not primarily compensated based on the

amount of insurance sold by the employee or representative; and

(g) The business location is registered with the commissioner.

(2) A licensee shall not advertise, represent, or otherwise hold out the licensee or any

employee or representative of the licensee as a licensed insurance agent under

another section of this subtitle, unless the ent ity or individual actually holds the

applicable license.