KY insurance agent bonds.
$200 flat.

Kentucky requires insurance agents and consultants to file a fixed $20,000 bond with the Department of Insurance — ours is $200 flat, issued instantly. The bond issues the moment you pay — no credit review of any kind, not even a soft pull.

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Required for your KY insurance agent or consultant license — new applicants and renewals

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Fixed price, fixed amount — $20,000 bond, $200, no quote process

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Multi-year terms available — set it up once, forget it for up to 3 years

A-ratedA.M. Best carriersInstantunderwriting process1–3 yrterms available

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How it works

Three steps. One sitting.

License bonds are the simplest thing in surety. Here is the entire process:

NOW · ONLINE

Apply online

Business details and an effective date. A quick soft credit check may apply — never a hard inquiry, no impact on your score.

MINUTES, USUALLY

Pay & e-sign

License bonds like this are among the thousands of bond types that issue right after purchase. At most, 1–2 business days.

SAME DAY

File with the Department of Insurance

Your executed bond (Form 99-3) and power of attorney arrive by email, ready to file with your Department of Insurance license application or renewal. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the bond actually guarantees

Kentucky licenses insurance agents and consultants through the Department of Insurance, and conditions the license on a $20,000 surety bond filed in favor of the Commonwealth. The bond is a compliance guarantee: it stands behind your honest dealing and your compliance with Kentucky insurance law.

It is a three-party arrangement: you (the principal), the surety carrier, and the Commonwealth of Kentucky (the obligee), with the public as the protected party. If an agent or consultant is found to have violated applicable insurance statutes or regulations, a harmed party can recover against the bond.

The bond is filed on the Department’s prescribed form (Form 99-3) and must stay active for the life of your license. Let it lapse and your license can be affected — so we track it and notify you 60 and 30 days out, keeping your $20,000 filing continuous.

KRS 304.9-105 / 304.9-330 (Form 99-3)Kentucky insurance agents and consultants are licensed by the Department of Insurance and must file a $20,000 surety bond in favor of the Commonwealth under KRS 304.9-105 and KRS 304.9-330, on the Department’s prescribed form (Form 99-3). The bond stands behind the agent’s compliance with Kentucky insurance law.

You need this bond if you are

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Applying for a KY insurance agent license — the bond is filed with your application

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Applying for an insurance consultant license subject to the same $20,000 bond

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Renewing your license and your bond is expiring or your surety non-renewed

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A non-resident agent getting licensed to write business in Kentucky

One application, issued instantly.

These are the actual issuing fields — a quick soft credit check may apply, never a hard inquiry.

Start the application →

FAQ

Common questions.

How much is the Kentucky insurance agent bond?The premium is $200 — set by our carrier’s rate book for this specific $20,000 bond, the same for every agent. The $20,000 is set by statute, so there is no quote process.

Do I pay the $20,000?No. You pay $200. The $20,000 is the surety’s maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

How fast will I have the bond?License bonds like this are among the thousands of bond types that issue right after purchase — many agents finish the application and have the bond in the same sitting. At most, 1–2 business days.

Is there a credit check?A quick soft credit check may apply — never a hard inquiry, no impact on your score. It doesn’t change this bond’s price, which is fixed at $200.

When does it renew?The bond must stay active for as long as you hold the license. You can buy a 1, 2, or 3-year term; we send renewal notices 60 and 30 days out, with autopay available, so your license never lapses over a missed email.

Related bonds

Other Kentucky bonds.

Finish your license checklist today.

$200 flat, no credit review, bond often issued in the same sitting. Free until issued.

Start application

Your price$200

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