Kentucky insurance fraud training

The requirement

What Kentucky requires

Under 806 KAR 47:010, Section 4(2)(b), an insurer must educate and train all claims handlers to identify possible insurance fraud. Section 4(2)(d)(5) requires the written anti-fraud plan to include continuing education plans for the staff of the special investigations unit.

The anti-fraud plan is filed with the Division of Insurance Fraud Investigation and must also cover the duty to report suspected fraud, SIU contact information and ethics, and procedures to detect and deter fraud. A compliance report on these duties is due within 90 days of admission, at least every two years after that, and within 30 days of a material change.

The rule does not set a number of hours, a frequency or a deadline after hire. Your fraud plan should state how and when you train, and your records should show that it happened.

• Train all claims handlers to identify possible insurance fraud
• Write continuing education plans for SIU staff into the anti-fraud plan
• Keep an SIU and name two primary anti-fraud contacts
• File a compliance report at least every two years

Sources, checked October 2026

• 806 KAR 47:010, Fraud prevention (Kentucky Legislature)
• KRS 304.47-080, Insurers to maintain investigative units (Kentucky Legislature)

How NATG helps

Meet the Kentucky mandate with one program

• Annual and new-hire anti-fraud courses in versions for each line of business and department
• Online, or instructor-led at your location
• Completion records, certificates and reports for your fraud plan and examiners
• One program for every state you write in, tracked in one place

NATG specializes in insurance fraud and investigations. Our compliance courses are built around the detection, referral and reporting duties in state fraud plans.