Kentucky FAIR Plan Reinsurance Association


The Kentucky FAIR Plan was established pursuant to KRS Chapter 304, Subtitle 35. The purpose is to establish and maintain a non-profit residual market mechanism whereby Property Insurance and Casualty Insurance can be made available to all worthy applicants and to distribute equitably the costs, losses, or gains, if any, arising therefrom among all members of the Plan and the related reinsurance association created and existing pursuant to the FAIR Plan Statutes. The Plan has been continuously in effect since 1968.


The mission of the Kentucky FAIR Plan Reinsurance Association is to provide basic insurance coverage (in accordance with our Articles of Association) to property owners in the Commonwealth who, through their agent or producer, have exhausted all coverage options available through the voluntary market and are unable to obtain coverage through the standard market.

Click here to report a loss

Click here to make a payment