---
type: "Bill"
title: "AN ACT relating to insurance adjusters."
description: "Amend KRS 304.9-430 and 304.9-433 to increase the minimum financial responsibility requirements for independent, staff, and public adjuster licenses; amend the definition of \"home state\"; establish requirements for public adjuster contracts with insureds; make technical corrections; create new sections of Subtitle 9 of KRS Chapter 304 to establish requirements for public adjusters relating to notice rights, inspection and investigation of claims, and conflicts of interest; establish requirements relating to funds received, accepted, or held by public adjusters; establish fee requirements for public adjusters; amend KRS 304.9-440 to establish additional penalties for public adjusters and public adjuster apprentices; provide that the commissioner may promulgate administrative regulations necessary for or as an aid to the effectuation of any provision of the Act."
jurisdiction: "us/states/ky"
legislature: "Kentucky General Assembly"
session: "2023RS"
identifier: "HB 232"
citation: "Kentucky HB 232 (2023RS)"
classification: ["bill"]
subjects: ["Administrative Regulations and Proceedings", "Contracts", "Insurance", "Licensing", "State Agencies", "Technical Corrections"]
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 29
vote_count: 3
first_action: "2023-02-09T05:00:00+00:00"
last_action: "2023-03-17T04:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/152fcba9-2ead-4c2c-a051-1a560bcf2ba3"
source_url: "https://apps.legislature.ky.gov/record/23RS/hb232.html"
source_hash: "be7dccccb01d633472a52efaa995c21437bf8a2efcc4ebcf3643fda40b51cda2"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ky"]
---

# Kentucky HB 232 (2023RS) — AN ACT relating to insurance adjusters.

Amend KRS 304.9-430 and 304.9-433 to increase the minimum financial responsibility requirements for independent, staff, and public adjuster licenses; amend the definition of "home state"; establish requirements for public adjuster contracts with insureds; make technical corrections; create new sections of Subtitle 9 of KRS Chapter 304 to establish requirements for public adjusters relating to notice rights, inspection and investigation of claims, and conflicts of interest; establish requirements relating to funds received, accepted, or held by public adjusters; establish fee requirements for public adjusters; amend KRS 304.9-440 to establish additional penalties for public adjusters and public adjuster apprentices; provide that the commissioner may promulgate administrative regulations necessary for or as an aid to the effectuation of any provision of the Act.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Introduced** (filed) — [source](https://apps.legislature.ky.gov/recorddocuments/bill/23RS/hb232/orig_bill.pdf)
2. **Acts Chapter 11** (committee substitute) — [source](https://apps.legislature.ky.gov/law/acts/23RS/documents/0011.pdf)
3. **Current/Final** (committee substitute) — [source](https://apps.legislature.ky.gov/recorddocuments/bill/23RS/hb232/bill.pdf)

## Votes

- PASS HB 232 W/ scs1 sfa3 — **pass** (pass) · lower
- Final Passage — **pass** (pass) · lower
- Pass — **pass** (pass) · lower

## Timeline

The legislative action history — every referral, reading, and vote.

- **2023-02-09T05:00:00+00:00** introduced in House `introduction`
- **2023-02-09T05:00:00+00:00** to Committee on Committees (H) `referral-committee`
- **2023-02-14T05:00:00+00:00** to Banking & Insurance (H) `referral-committee`
- **2023-02-22T05:00:00+00:00** reported favorably, 1st reading, to Calendar with Committee Substitute (1) `committee-passage`
- **2023-02-23T05:00:00+00:00** 2nd reading, to Rules `reading-2`
- **2023-02-24T05:00:00+00:00** posted for passage in the Regular Orders of the Day for Tuesday, February 28, 2023
- **2023-02-28T05:00:00+00:00** 3rd reading, passed 95-2 with Committee Substitute (1) `passage, reading-3`
- **2023-03-01T05:00:00+00:00** received in Senate
- **2023-03-01T05:00:00+00:00** to Committee on Committees (S) `referral-committee`
- **2023-03-03T05:00:00+00:00** to Banking & Insurance (S) `referral-committee`
- **2023-03-07T05:00:00+00:00** reported favorably, 1st reading, to Calendar with Committee Substitute (1) `committee-passage`
- **2023-03-08T05:00:00+00:00** 2nd reading, to Rules `reading-2`
- **2023-03-08T05:00:00+00:00** floor amendment (1) filed to Committee Substitute , floor amendment (2) filed to bill `amendment-introduction`
- **2023-03-08T05:00:00+00:00** posted for passage in the Regular Orders of the Day for Friday, March 10, 2023
- **2023-03-10T05:00:00+00:00** passed over and retained in the Orders of the Day `passage`
- **2023-03-13T04:00:00+00:00** floor amendment (3) filed to Committee Substitute `amendment-introduction`
- **2023-03-13T04:00:00+00:00** passed over and retained in the Orders of the Day `passage`
- **2023-03-14T04:00:00+00:00** 3rd reading `reading-3`
- **2023-03-14T04:00:00+00:00** Floor Amendments (1) and (2) withdrawn
- **2023-03-14T04:00:00+00:00** passed 35-0-1 with Committee Substitute (1) and Floor Amendment (3) `passage`
- **2023-03-15T04:00:00+00:00** received in House
- **2023-03-15T04:00:00+00:00** to Rules (H) `referral-committee`
- **2023-03-15T04:00:00+00:00** posted for passage for concurrence in Senate Committee Substitute (1) and Floor Amendment (3)
- **2023-03-15T04:00:00+00:00** House concurred in Senate Committee Substitute (1) and Floor Amendment (3)
- **2023-03-15T04:00:00+00:00** passed 95-2 `passage`
- **2023-03-16T04:00:00+00:00** enrolled, signed by Speaker of the House `passage`
- **2023-03-16T04:00:00+00:00** enrolled, signed by President of the Senate `passage`
- **2023-03-16T04:00:00+00:00** delivered to Governor
- **2023-03-17T04:00:00+00:00** signed by Governor (Acts Ch. 11) `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/152fcba9-2ead-4c2c-a051-1a560bcf2ba3`. Confidence: reported (aggregated from official Kentucky legislature records).