Kentucky has its own insurance supervisory authority, the Kentucky Department of Insurance. This profile brings together its regulatory contacts, NAIC research and the companies recorded as domiciled here in our directory.
Frankfort is the capital. A US state since 1792, Kentucky is part of a state-based insurance system: a company's home jurisdiction and the markets where it is authorised to operate are different facts.
Within this directory's Kentucky domicile records, Captive / Risk retention group is the largest recorded class, with 30 entities. This describes the composition of our listings, not premium market share.
Domiciled entities listed
77
Recorded business classes
4
Named groups in listings
0
Partial directory coverage. These counts are not the total number of insurers licensed in Kentucky.
AI-generated editorial illustration · Conceptual civic scene, not an official building
Appointed office
Commissioner
Kentucky Department of Insurance
The department is the starting point for checking an insurer's authority, finding consumer assistance and following local regulatory announcements. Leadership details can change; use the official office link for the current incumbent.
Start with the legal company name on your policy and its NAIC company number, where available. A familiar brand may represent several separately licensed companies.
Use the department's insurer lookup to check authority in Kentucky. For complaint assistance, the NAIC directory links to each jurisdiction's department and complaint channel.
The National Association of Insurance Commissioners supports the 56 US insurance jurisdictions with shared data and regulatory coordination. The local insurance department remains the authority for questions about a company's licence in Kentucky.
Kentucky: key facts & market trends
Reporting year 2024 · NAIC state report card
National rank for total premium: 27.
National rank for health premium: 19.
In-state direct written premiums grew 71% between 2015 and 2024.
Read the report's definitions before comparing states: premiums, insurer counts and directory domicile records measure different things. Figures retain their reporting year and should not be read as live totals.
NAIC market research reviewed 26 September 2026. State identity and office-selection facts come from the state reference dataset dated 23 September 2026; insurer counts are calculated from the directory's register records. Photographs illustrate places, not insurer or regulator offices.
NAIC 12151; TDI licence 95962; domicile KY (foreign to Texas); type: Health Maintenance Org; structure: Stockholder; licensed 2005/02/01; Health plan licensed under a separate statute, not on a general insurance licence
NAIC 95158; TDI licence 13765707; domicile KY (foreign to Texas); type: Health Maintenance Org; structure: Stockholder; licensed 2018/03/07; Health plan licensed under a separate statute, not on a general insurance licence
NAIC 95885; TDI licence 13764865; domicile KY (foreign to Texas); type: Health Maintenance Org; structure: Stockholder; licensed 2014/05/28; Health plan licensed under a separate statute, not on a general insurance licence
NAIC 16056; domicile KY; principal office Covington; Kentucky licence DOI ID 940447 / captive no. S1235; category: Captive: Health Property Casualty Liability Insurance Miscellaneous; Ownership type inferred from name; parent not researched
NAIC 14498; domicile KY; principal office Louisville; Kentucky licence DOI ID 561250 / captive no. S1003; category: Captive; Ownership type inferred from name; parent not researched
domicile KY; principal office Bloomington; Kentucky licence DOI ID 1430015 / captive no. S1276; category: Captive: Captive; Ownership type inferred from name; parent not researched
NAIC 16291; domicile KY; principal office Covington; Kentucky licence DOI ID 977260 / captive no. S1237; category: Captive: Health Property Casualty Liability Insurance Miscellaneous Captive; Ownership type inferred from name; parent not researched
NAIC 14521; domicile KY; principal office Louisville; Kentucky licence DOI ID 717205 / captive no. S1107; category: Captive: Casualty Liability Insurance Miscellaneous; Ownership type inferred from name; parent not researched
NAIC 14523; domicile KY; principal office Covington; Kentucky licence DOI ID 672158 / captive no. S1054; category: Captive: Health Property Casualty Liability Insurance; Ownership type inferred from name; parent not researched
domicile KY; principal office Louisville; Kentucky licence DOI ID 1432909 / captive no. S1277; category: Captive: Captive; Ownership type inferred from name; parent not researched
NAIC 17759; domicile KY; principal office Lexington; Kentucky licence DOI ID 1386483 / captive no. S1270; category: Captive: Captive; Ownership type inferred from name; parent not researched
NAIC 16404; domicile KY; principal office Covington; Kentucky licence DOI ID 998327 / captive no. S1249; category: Captive: Health Property Casualty Liability Insurance Miscellaneous Captive; Ownership type inferred from name; parent not researched
NAIC 14572; domicile KY; principal office Covington; Kentucky licence DOI ID 671752 / captive no. S1053; category: Captive: Health Property Casualty Liability Insurance Malpractice; Ownership type inferred from name; parent not researched
NAIC 11872; domicile KY; principal office Louisville; Kentucky licence DOI ID 582321; risk retention group; category: Captive: Casualty Liability Insurance Malpractice; Ownership type inferred from name; parent not researched
NAIC 11939; domicile KY; principal office Louisville; Kentucky licence DOI ID 573734; risk retention group; category: Captive: Casualty Liability Insurance Malpractice; Ownership type inferred from name; parent not researched
NAIC 14592; domicile KY; principal office Covington; Kentucky licence DOI ID 696845 / captive no. S1092; category: Captive: Casualty Liability Insurance; Ownership type inferred from name; parent not researched
domicile KY; principal office Louisville; Kentucky licence DOI ID 1084609 / captive no. S1257; category: Captive: Property Casualty Liability Insurance Malpractice; Ownership type inferred from name; parent not researched
domicile KY; principal office Louisville; Kentucky licence DOI ID 1352437 / captive no. S1266; category: Captive: Captive; Ownership type inferred from name; parent not researched
NAIC 16400; domicile KY; principal office Covington; Kentucky licence DOI ID 996484 / captive no. S1242; category: Captive: Health Property Casualty Liability Insurance Miscellaneous Captive; Ownership type inferred from name; parent not researched
NAIC 16401; domicile KY; principal office Covington; Kentucky licence DOI ID 996483 / captive no. S1243; category: Captive: Health Property Casualty Liability Insurance Miscellaneous Captive; Ownership type inferred from name; parent not researched
domicile KY; principal office Covington; Kentucky licence DOI ID 1084345 / captive no. S1256; category: Captive: Health Property Casualty Liability Insurance Miscellaneous; Ownership type inferred from name; parent not researched
NAIC 16402; domicile KY; principal office Covington; Kentucky licence DOI ID 996485 / captive no. S1244; category: Captive: Health Property Casualty Liability Insurance Miscellaneous Captive; Ownership type inferred from name; parent not researched
NAIC 14624; domicile KY; principal office Covington; Kentucky licence DOI ID 672208 / captive no. S1056; category: Captive: Health Property Casualty Liability Insurance; Ownership type inferred from name; parent not researched
domicile KY; principal office Louisville; Kentucky licence DOI ID 1318027 / captive no. S1260; category: Captive: Captive; Ownership type inferred from name; parent not researched
NAIC 95120; domicile KY; principal office Louisville; category: Insurer: Health Maintenance Organization; Health plan licensed under a separate statute, not on a general insurance licence; Ownership not researched
NAIC 15543; domicile KY; principal office Louisville; category: Insurer: Health Maintenance Organization; Health plan licensed under a separate statute, not on a general insurance licence; Ownership not researched
NAIC 52108; domicile KY; principal office Frankfort; category: Insurer: Limited Health Service Organizations Limited Health Service Organizations(LHSO); Health plan licensed under a separate statute, not on a general insurance licence; Ownership not researched
NAIC 15479; domicile KY; principal office Frankfort; category: Insurer: Health Maintenance Organization; Health plan licensed under a separate statute, not on a general insurance licence; Ownership not researched
NAIC 54674; domicile KY; principal office Louisville; category: Insurer: Nonprofit Health Service Corporation; Health plan licensed under a separate statute, not on a general insurance licence; Ownership not researched
NAIC 54739; domicile KY; principal office Louisville; category: Insurer: Limited Health Service Organizations Limited Health Service Organizations(LHSO) Stand-alone Mental Health Coverage; Health plan licensed under a separate statute, not on a general insurance licence; Ownership not researched
NAIC 16596; domicile KY; principal office Louisville; category: Insurer: Health Maintenance Organization; Health plan licensed under a separate statute, not on a general insurance licence; Ownership not researched
NAIC 15731; domicile KY; principal office Louisville; category: Insurer: Health Maintenance Organization; Health plan licensed under a separate statute, not on a general insurance licence; Ownership not researched
NAIC 60242; domicile KY; principal office Scottsville; category: Insurer: Life Annuity Health; Registered as Southern Financial Life Insurance Company; Ownership not researched
NAIC 96644; domicile KY; principal office Lexington; category: Insurer: Health Maintenance Organization; Health plan licensed under a separate statute, not on a general insurance licence; Ownership not researched
NAIC 15510; domicile KY; principal office Louisville; category: Insurer: Health Maintenance Organization; Health plan licensed under a separate statute, not on a general insurance licence; Ownership not researched
Popularity is an estimate of how often people search Google for each insurer, from 0 to 100; the bars show how confident the estimate is. Not a rating of the insurer.How the index works
An insurer’s domicile is the state or territory where it is incorporated, and that jurisdiction’s regulator is its primary supervisor. Domicile here comes from the register rows: the Texas Department of Insurance register records each company’s state of domicile, and a captive on the Vermont captive register is domiciled in Vermont. A state’s list is therefore the insurers in this directory that call it home, not its regulator’s own register of every insurer it licenses.
To see where a company is licensed, use the NAIC’s national search, which covers every state: NAIC Consumer Insurance Search
Regulator details, nicknames and mottos were checked against the regulators’ own sites and public references on 23 Sept 2026. Flags are public-domain artwork. This is reference information, not register data.