KY insurance agent bonds.
$600. Five minutes.
Kentucky requires insurance agents and consultants to file a fixed $20,000 bond with the Department of Insurance — ours is $600 flat, which is 3% of the bond amount. The application is five minutes, and license bonds like this are the fastest thing we issue.
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Three steps. One sitting.
License bonds are the simplest thing in surety. Here is the entire process:
Apply online
Business details and an effective date. That’s the application — no financials, no credit check section, no follow-up scavenger hunt.
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.
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.
The whole pricing page.
$20,000 bond × 3% = $600, one-time per term. Fixed amount, fixed price, multi-year if you want it.
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.
You need this bond if you are
Five minutes. The whole thing.
These are the actual issuing fields — no credit check section, because this bond doesn’t have one.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the Kentucky insurance agent bond? +
Do I pay the $20,000? +
How fast will I have the bond? +
Is there a credit check? +
When does it renew? +
Other New York bonds.
Finish your license checklist today.
$600 flat, five-minute application, bond often issued in the same sitting. Free until issued.