Insuring Garage Risks

On completing this insurance continuing education course, agents will be able to understand:

• Which of their clients require specialty garage forms to cover their operations;
• The exposures faced by garage businesses for their automobiles, as well as their premises and operations;
• The garage insurance forms, endorsements and coverage options available to provide coverage for these exposures.

Agents will be able to explain both the exclusions and coverage options to clients, assisting them in identifying exposures, and selecting proper coverage options to treat them. This online CE course includes an in-depth discussion of garage policy coverages, exclusions, definitions, conditions, and the additional endorsements and other policies available to tailor the policy to meet the insured’s individual needs.

Kentucky State Requirements

 Updated: 03/01/2012

Continuing Education Information

All individual resident agents are subject to continuing education for every major line of authority: life, health, property, casualty, variable life and variable annuity, and personal lines.  The following limited lines of authority are exempt: credit, crop, surety and travel as identified in KRS 304.9-230. The continuing education requirement of 24 hours for each continuing education biennium, must be completed the last day of your birth month, odd or even numbered years, depending on the year you were born.

Only courses prior-approved by the department or from the midwest zone will be accepted as approved credit hours.

All 24 hours of continuing education may now be classroom, correspondence, or a combination of the two.  A course may only be credited one time during the biennium. At least six hours must be directly related to one or more of the agent's active lines of authority, and three hours must be in ethics. 

The agent's lines of authority requiring continuing education will automaticially terminate if the agent fails to complete the continuing education requirement by the deadline or fails to verify with the Department the completion of the courses within 60 days of the last day of the birth month, odd or even year depending on the birth year.

If the agent has no remaining lines of authority, the license will terminate and the agent must return the license certificate to the department without demand. If the agent has one or more limited lines of authority (credit, crop, motor vehicle physical damage, surety and travel), the license will not terminate.  However, the agent must return the license certificate to the department so we can reprint the license with the lines of authority that are still active. If an agent's license or line of authority terminates for failing to meet continuing education requirements, the agent has up to one year from the date of termination to complete the delinquent hours to have the license or line of authority reissued.

Continuing Education Compliance Date

Same as license renewal date.

License Renewal Date

License renewal date is the agent's date of birth biennially. Licensee's born in odd numbered years report in odd years, even numbered years report even years.

Type of Courses Accepted for CE Credit

Independent self study courses or classroom courses.

Carryover Requirements

A maximum of 12 classroom or self-study hours may be carried over to the next reporting period.

Course Repetition

Courses may not be taken for credit more than once in a 2 year period.

Final Exam

Self-study final exams are not required to be monitored.

Exemptions

• Individuals with a limited line license for which an exam is not required.
• Individuals licensed less than a year at the time of compliance.
• Adjusters
• Solicitors with limited licenses

Method to Certify Completion

You will be able to print your certificate of completion online once you have completed your exam. The agent sends their original certificate of completion to the Department of Insurance with their renewal form; agent must maintain a copy for at least three years.

Nonresidents

Exempt if home state requirements are met by compliance date. The insurance department will use the PDB to verify home state license status.

For Additional Information Please Contact

Kentucky Insurance Department
Licensing Division

215 West Main Street
PO Box 517
Frankfurt, KY 40602

Phone: (502)564-6004

FAX: (502) 564-6030

Email : DOI.AgentLicensingMail@ky.gov

State Website: http://insurance.ky.gov/

Course Format

System Requirements: Please note that Mozilla firefox 9 download here or Internet explorer 8 or higher: Download here 
are required to view our website when you wish to access the learning center. You should also note that taking courses over a wireless internet connection is not advised. When taking your exams you should try to be on a wired internet connection to your computer.

If your state requires monitored exams, you must have your monitor sign-in and follow the monitor instructions BEFORE you begin the exam.  See the State Information tab, Monitor tab and Help Center for more information.

How to Redeem Vouchers