Ky. Rev. Stat. » Chapter 304
Kentucky Revised Statutes

Ky. Rev. Stat. § 304.36-030 (2026)

Scope of subtitle

✓ current as of May 2026
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(1) As used in this section, "ocean marine insurance" includes:

(a) Any form of insurance, regardless of name, label, or marketing designation of the insurance policy, that insures against maritime perils or risks and other related perils or risks that are usually insured against by traditional marine insurance, such as hull and machinery, marine builders risk, and marine protection and indemnity. These perils and risks insured against include without limitation loss, damage, or expense or legal liability of the insured for loss, damage, or expense arising out of or incident to ownership, operation, chartering, maintenance, use, repair, or construction of any vessel, craft, or instrumentality in use in ocean or inland waterways, including liability of the insured for personal injury, illness, or death or for loss or damage to the property of the insured or another person; and

(b) That coverage written in accordance with the following:

1. The Jones Act, 46 U.S.C. sec. 30104;

2. The Longshore and Harbor Workers' Compensation Act, 33 U.S.C. sec. 901 et seq.; and

3. Any other similar federal statutory enactment or endorsement or policy affording protection and indemnity coverage.

(2) This subtitle shall apply to all kinds of direct insurance, except:

(a) Life, annuity, or health, including disability and paid family leave;

(b) Mortgage guaranty, financial guaranty, or other forms of insurance offering protection against investment risks;

(c) Credit insurance, vendors' single interest insurance, or collateral protection insurance or any similar insurance protecting the interests of a creditor arising out of a creditor-debtor transaction;

(d) Insurance of warranties or service contracts, including insurance that provides for the repair, replacement, or service of goods or property, indemnification for repair, replacement, or service for the operational or structural failure of the goods or property due to a defect in materials, workmanship, or normal wear and tear, or reimbursement for the liability incurred by the issuer of agreements or service contracts that provide these benefits;

(e) Title insurance;

(f) Ocean marine insurance;

(g) Any transaction or combination of transactions between a person, including affiliates of the person, and an insurer, including affiliates of the insurer, that involves the transfer of investment or credit risk and that is unaccompanied by transfer of insurance risk; or

(h) Any insurance provided, written, reinsured, or guaranteed by any government or governmental agencies.

(3) Notwithstanding subsection (2) of this section, this subtitle shall apply to health insurance written by an insolvent insurer if the insurer was not a member of the Kentucky Life and Health Insurance Guaranty Association created under KRS 304.42-060 or a successor association on the date of the order of liquidation. Effective: April 5, 2024 History: Amended 2024 Ky. Acts ch. 99, sec. 14, effective April 5, 2024. -- Amended 2023 Ky. Acts ch. 19, sec. 1, effective June 29, 2023. -- Amended 1998 Ky. Acts ch. 99, sec. 2, effective July 15, 1998. -- Amended 1982 Ky. Acts ch. 123, sec. 16, effective July 15, 1982. -- Created 1972 Ky. Acts ch. 137, sec. 3, effective June 16, 1972.

Notes of Decisions
Cited in 4 cases, 1990–2017 · leading case: Stone v. Kentucky Ins. Guar. Ass'n, 908 S.W.2d 675 (Ky. Ct. App. 1995).
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Stone v. Kentucky Ins. Guar. Ass'n, 908 S.W.2d 675 (Ky. Ct. App. 1995). · cites it 2× “KRS 304.36-030(1). The interest statute, KRS 360.”
Appleton & Ratliff Coal Corp. v. Dewey Ratliff, 664 F. App'x 470 (6th Cir. 2016). “” Ky. Rev. Stat. §§ 304.36-030(1), 304.36-080(l)(a)(l), 304.”
Island Fork Constr. v. Jimmy Bowling, 872 F.3d 754 (6th Cir. 2017). · cites it 2× “” Ky. Rev. Stat. § 304.36-030(l)(f),(h). As mentioned in the footnote in Ratliff , there does not appear to be any caselaw interpreting these provisions of the Kentucky statute.”
Pie Mut. Ins. Co. v. Kentucky Med. Ins. Co., 782 S.W.2d 51 (Ky. Ct. App. 1990). “KRS 304.36-030 provides as follows: (1) This subtitle shall apply to all kinds of direct insurance, except life, health, title, credit, mortgage guaranty, and ocean marine insurance.”
— Ky. Rev. Stat. § 304.36-030(1) — 2 cases
Appleton & Ratliff Coal Corp. v. Dewey Ratliff, 664 F. App'x 470 (6th Cir. 2016). “” Ky. Rev. Stat. §§ 304.36-030(1), 304.36-080(l)(a)(l), 304.”
Stone v. Kentucky Ins. Guar. Ass'n, 908 S.W.2d 675 (Ky. Ct. App. 1995). “KRS 304.36-030(1). The interest statute, KRS 360.”
— Ky. Rev. Stat. § 304.36-030(2) — 1 case
Stone v. Kentucky Ins. Guar. Ass'n, 908 S.W.2d 675 (Ky. Ct. App. 1995). “KRS 304.36-030(1). The interest statute, KRS 360.”
— Ky. Rev. Stat. § 304.36-030(l)(f) — 1 case
Island Fork Constr. v. Jimmy Bowling, 872 F.3d 754 (6th Cir. 2017). “” Ky. Rev. Stat. § 304.36-030(l)(f),(h). As mentioned in the footnote in Ratliff , there does not appear to be any caselaw interpreting these provisions of the Kentucky statute.”
— Ky. Rev. Stat. § 304.36-030(l)(h) — 1 case
Island Fork Constr. v. Jimmy Bowling, 872 F.3d 754 (6th Cir. 2017). “” Ky. Rev. Stat. § 304.36-030(l)(f),(h). As mentioned in the footnote in Ratliff , there does not appear to be any caselaw interpreting these provisions of the Kentucky statute.”
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