Kentucky surcharge 2026

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The document is a Monthly Insurance Surcharge Report from the Commonwealth of Kentucky's Department of Revenue, detailing the requirements for insurers to report and remit insurance premium surcharges. It outlines the calculation of total premiums, exemptions, penalties for late submissions, and instructions for filing. The report is mandatory for all insurers, regardless of whether premiums were collected, and includes specific guidelines on what constitutes taxable amounts and exemptions.

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Click ‘Get Form’ to open the Kentucky Surcharge report in the editor.
Begin by entering your Account Number at the top of the form. This is essential for identifying your submission.
Fill in your Name and Address in the designated fields. Ensure this information is accurate as it will be used for official correspondence.
Indicate if this is an Amended Return or a Surplus Lines report by checking the appropriate box.
For each month, enter the Total premiums, assessments, and other charges collected on risk located in Kentucky. Be sure to exclude municipal taxes.
Deduct amounts not subject to surcharge by filling out lines 2a through 2c, which include returned premiums and specific exemptions.
Calculate the Amount subject to surcharge by subtracting line 2d from line 1c.
Complete the remaining fields for Surcharge due, Penalty, Interest, and Total amount due as instructed on the form.
Finally, certify your report by signing and providing your printed name and contact details at the bottom of the form.

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What is Kentucky surcharge?

Kentucky law requires insurance companies to charge all policies written for its residents a surcharge of 1.8%. We are also required to assess your policy with a municipality tax which is based on the location of your residence.

Are surcharges legal in Kentucky?

Yes. As of July 2025, credit card surcharging is legal in Kentucky, provided applicable federal and card brand guidelines are followed. Payment disputes and chargebacks with clients can arise if MSPs do not adhere to these standards. MSPs that use credit card surcharging must do so transparently.

Why do insurance companies charge a surcharge?

The fee compensates for the risk assessment and pricing strategy that was based on a longer commitment. Insurance companies rely on premium payments for revenue and financial planning. This includes setting aside reserves to pay future claims.

What is the Kentucky tax rate?

Kentucky Tax Rates, Collections, and Burdens Kentucky has a flat 4.00 percent individual income tax rate. There are also jurisdictions that collect local income taxes. Kentucky has a 5.0 percent corporate income tax rate. Kentucky also has a 6.00 percent state sales tax rate and does not have local sales taxes.

What states are surcharges illegal in?

Businesses can charge a surcharge for paying by card, but the surcharge must not be more than what it costs the business to use that payment type.

kentucky insurance surcharge

Kentucky Municipal tax on insurance premiums Kentucky surcharge rates Kentucky surcharge calculator Kentucky municipal tax rates Kentucky municipal tax calculator Kentucky surplus lines tax calculator KY insurance tax rates Local government tax on insurance Premium

Is surcharging legal in Kentucky?

According to Kentucky state law, merchants can implement a surcharge that doesnt exceed the lesser of the interchange transaction fee or 3% of the transaction volume. MSPs must regularly review these rules and ensure their surcharges do not exceed actual processing costs or merchant discount rates (MDR).