Best Kentucky Insurance Agents & Brokers (2025)

An insurance agent is an individual who represents an insurance company and sells insurance policies to customers on behalf of the company. An insurance broker, on the other hand, is an independent professional who helps customers find and purchase insurance policies from various insurance companies. Brokers are not employed by insurance companies and can offer a wider range of policies from different providers.

To become a licensed insurance agent or broker in Kentucky, you must complete pre-licensing education courses and pass a licensing exam. You must also submit an application and pay a licensing fee. Specific requirements vary depending on the type of insurance you wish to sell and the type of license you need.

You can search for licensed insurance agents and brokers in Kentucky through the Kentucky Department of Insurance’s website. You can also ask for referrals from friends and family or do your own research to find reputable agents or brokers in your area.

Insurance agents are typically paid a commission by the insurance company for each policy they sell. The commission amount is usually a percentage of the policy premium. Insurance brokers may also receive a commission from the insurance company or charge a fee to their clients for their services.

Yes, insurance agents and brokers can assist you in filing a claim with your insurance company. They can also help you understand your policy coverage and answer any questions you may have regarding the claims process.

You can purchase a wide range of insurance policies through an agent or broker in Kentucky, including car insurance, home insurance, life insurance, health insurance, and business insurance. Agents and brokers may also offer specialty insurance products such as pet insurance, travel insurance, and event insurance.