Does Kentucky require registration for Insurance telemarketers?

Kentucky does not require separate telemarketer registration; federal FTC rules still apply.

What is the penalty per violation in Kentucky?

Up to $500 per violation (or $10,000 for willful violations). Private right of action available.

Home / States / Kentucky

Kentucky Telecom Compliance Guide

Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

10:00 AM–9:00 PM

Min Penalty

$500

Registration

Not Required

Overview Calling Hours Consent Registration DNC Compliance DNC Registry Enforcement Case Law Legislation

Insurance Telemarketing Compliance in Kentucky

Insurance agency telemarketing and lead generation compliance in Kentucky

Guide last reviewed: January 2025

⚠

Mini-TCPA State — KRS § 367.46951 et seq.

Kentucky imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $500 per-violation penalties.

Kentucky Insurance Overview

Insurance telemarketing in Kentucky requires AG registration ($25,000 bond), DNC compliance, and Kentucky Department of Insurance regulatory compliance. The felony fraud provision and 3-business-day cancellation right apply. EBR provides limited protection for existing policyholders.

Penalty/Violation

$500

Willful

$10,000

Calling Hours

10:00 AM–9:00 PM

Stricter than federal

Private Suit

Allowed

Compliance Checklist

✓Register with KY AG if making outbound sales calls — $25,000 bond required,Scrub federal DNC before calling,Manual dialing for cold outreach — 8 AM to 9 PM,Identify yourself as a licensed agent and disclose sales purpose,Do not misrepresent policy terms, coverage, or pricing,EBR exemption for current policyholders (manual calls only),3-business-day cancellation right on phone-sold policies,Honor opt-out immediately,Medicare and health insurance calls subject to CMS requirements,Fraudulent insurance solicitation is a Class D felony

What Gets Companies Sued

✗Common insurance violations: (1) Auto-dialing Medicare consumers; (2) Misrepresenting coverage; (3) Not registering with KY AG; (4) Calling DNC numbers; (5) Not providing cancellation right.

Special Exemptions

Licensed insurance agents with existing policyholders have an EBR exemption for manual calls. New business calls require full registration and compliance.

Key State Rules

Mini-TCPAYes

RegistrationNot Required

Class ActionsNot specified

Consent Requirements→Registration Details→DNC List→

Insurance Enforcement in Kentucky

Louisville Insurance Marketing Corp.

$1,250,000

Dec 2023

prerecorded messagesno consent

Class action settlement for prerecorded insurance marketing calls.

All enforcement actions in Kentucky →

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This is a compliance reference tool, not legal advice. Data compiled from public statutes, LegiScan, CourtListener, state AG offices, and AI-assisted analysis. Verify all information with qualified counsel before relying on it. Full terms & data sources →