KY

Kentucky Surplus Lines Tax Filing 2026

The Kentucky surplus lines tax is 3% of gross premium. SLTax360 automates every filing so MGAs, wholesalers, and retail brokers stay compliant without manual entry.

Rates effective from 2024-01-01

Kentucky Rates Snapshot
Surplus Lines Tax 3%
Municipal Tax 1.8%

How SLTax360 Files Kentucky Surplus Lines Taxes

Filing surplus lines tax in Kentucky means navigating Kentucky's specific submission channel, fee structure, and deadline rules. SLTax360 abstracts that away: we maintain the Kentucky rate configuration in a versioned table and apply it automatically to every invoice you submit.

Each Kentucky transaction we file is itemized into its components — surplus lines tax (3%) — so your audit trail shows exactly which line went where. Confirmations are retained, deadlines are tracked, and filings are reconciled against your invoice data.

Whether you're an MGA filing a handful of Kentucky transactions per month or a wholesaler running hundreds, the workflow is the same: upload, we file, you stay compliant. Want to verify the numbers yourself first? Run a free Kentucky calculation — no signup required.

Kentucky Notes: Kentucky: 3% state SL tax. Local government premium tax (LGPT) up to 1.8% may apply depending on municipality.

Kentucky Surplus Lines FAQ

As of 2026, the Kentucky surplus lines tax rate is 3% of gross premium. The tax base in Kentucky includes policy fees.

Kentucky does not currently charge a stamping fee on surplus lines transactions.

Beyond the base surplus lines tax and stamping fee, Kentucky also applies a municipal tax of 1.8%. SLTax360 itemizes all of these on every filing so you can audit each line.

SLTax360 automates Kentucky surplus lines tax filing for MGAs, wholesalers, and retail brokers. We submit each transaction through the appropriate state-mandated channel (OPTins, SLIP+, or the state's own portal where applicable), retain audit-ready confirmations, and track deadlines so nothing slips. Try the free Kentucky rate in the public calculator before signing up.

Kentucky: 3% state SL tax. Local government premium tax (LGPT) up to 1.8% may apply depending on municipality.

Ready to Automate Kentucky Filings?

A 20-minute demo will show you how SLTax360 handles your Kentucky volume end-to-end.