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.

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Rates effective from 2026-07-24

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

Estimate only. Figures are calculated from published state rates and are not a guarantee of the amounts due. Verify with the applicable state or stamping office before filing.

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%). Your audit trail then shows exactly which line went where. Confirmations are retained, deadlines are tracked, and filings are reconciled against your invoice data.

How Kentucky filings are submitted: SLTax360 transmits Kentucky filings electronically via Portal automation (KY DOI eServices). Confirmation numbers come back into the platform automatically, and rejections are surfaced as errors rather than left sitting as “filed.” You keep your own Kentucky licence and portal login either way.

Whether you're an MGA filing a handful of Kentucky transactions per month or a wholesaler running hundreds, the amounts, the deadline and the paperwork are handled in one place. Want to verify the numbers yourself first? Run a free Kentucky calculation (no signup required).

Kentucky Notes: Kentucky charges a 3% surplus lines tax plus a 1.8% state surcharge (KRS 304.4-030). A local government premium tax (LGPT) also applies and varies by municipality, so the rate is set per broker. The tax base is premium plus all miscellaneous fees shown on the affidavit.

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.

Yes. SLTax360 transmits Kentucky surplus lines filings electronically via Portal automation (KY DOI eServices). Confirmation numbers are returned into the platform automatically and state rejections are surfaced as errors, so a filing never sits marked as filed when the state did not accept it. You keep your own Kentucky licence and portal login. Try the free Kentucky rate in the public calculator before signing up.

Kentucky charges a 3% surplus lines tax plus a 1.8% state surcharge (KRS 304.4-030). A local government premium tax (LGPT) also applies and varies by municipality, so the rate is set per broker. The tax base is premium plus all miscellaneous fees shown on the affidavit.

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A 20-minute demo will show you exactly how your Kentucky volume runs end to end, and what changes in the other states you write.

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