--- title: "Media liability in Kentucky" description: "Kentucky’s one-year libel period sits alongside a correction-demand statute limited to newspapers, magazines, and periodicals." canonical: "https://spot.insure/coverage/media/kentucky" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/media/kentucky) # Media liability in Kentucky Kentucky sets a one-year filing period for libel or slander. For a damages action over a defamatory statement in a newspaper, magazine, or periodical, a separate statute addresses actual damages, mitigation through correction, and when punitive damages may be recovered. Its correction demand must be written, signed, fact-specific, and delivered before suit; the deadline for a timely correction depends on the publication cycle. Publishers should assign a clear intake owner for demands and preserve delivery and issue dates.[^1][^2] **Coverage:** [Media liability](/coverage/media) · [Kentucky](/coverage/states/kentucky) ## What Is Media Liability? Media liability can help pay defense costs for claims about content you create or distribute, such as allegations of defamation or infringement. Consider it if you publish or produce content for your business or clients; match the quote to each activity. [Read the national Media liability guide](/coverage/media). ## What to Watch for in Kentucky ### Correction rules cover listed periodicals KRS 411.051 expressly applies to a defamatory statement in a newspaper, magazine, or periodical. Do not assume its wording automatically governs every online-only, broadcast, or other media format; ask counsel how the particular outlet qualifies.[^2] ### A sufficient demand must arrive before suit The demand must be in writing and signed by the plaintiff or an authorized attorney or agent. It must identify the claimed false and defamatory statements, explain how they are false, set out the facts, and be delivered before the action begins.[^2] ### Correction timing follows the publishing schedule A daily newspaper has 10 business days after receiving a sufficient demand to publish a timely correction. For a newspaper, magazine, or periodical that is not daily, the measure is the next regular issue published not less than 10 business days after receipt. Track the actual receipt date and scheduled issue.[^2] ### Punitive damages have additional statutory conditions The statute permits punitive damages only when the plaintiff alleges and proves publication with legal malice and the periodical failed to make a conspicuous and timely correction after a sufficient demand. A correction may be pleaded in mitigation; neither outcome answers whether an insurance contract responds.[^2] ## Who Regulates Insurance in Kentucky **Kentucky Department of Insurance.** The Kentucky Department of Insurance licenses agents and insurers, monitors the insurance market, and accepts complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue.[^3][^4][^5] - [Regulator website](https://insurance.ky.gov/ppc/new_default.aspx) - [License lookup](https://insurance.ky.gov/ppc/Agent/Default.aspx) - [File a complaint](https://insurance.ky.gov/ppc/forms/complaints_home.aspx) - Phone: 800-595-6053 (option 1, Kentucky only) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% on Kentucky-home-state premiums and other premium consideration; separate 1.8% surcharge on eligible risks located in Kentucky, subject to statutory exceptions; applicable local-government premium tax may also apply When Kentucky is the insured's home state, the state tax is 3% of premium and other consideration treated as premium; local-government premium taxes may also apply. A separate 1.8% surcharge generally applies to Kentucky risks, but state law exempts multistate nonadmitted risks and specified government and nonprofit premiums. The broker must make a diligent effort to place coverage with an admitted carrier before using surplus lines.[^6][^9][^7][^8][^10] ## Providers With Documented State Licenses These providers publish a national listing for Media liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Kentucky; [check the regulator’s license lookup](https://insurance.ky.gov/ppc/Agent/Default.aspx) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^12] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^13] ## Questions to Ask Before You Buy in Kentucky 1. Which of our websites, magazines, newsletters, broadcasts, and other publishing formats did the broker consider when reviewing the proposed media policy? 2. Who receives and timestamps correction demands, and who can authorize a correction or response before suit? 3. How does the policy address defense costs, consent, and related demands if a correction request later becomes a lawsuit? ## Media Liability in Kentucky: FAQ ### What filing period does Kentucky state for libel and slander? KRS 413.140(1)(d) places libel and slander actions in the one-year period after accrual. Counsel should assess accrual and any issue specific to the publication.[^1] ### Does a correction demand have to be submitted before a lawsuit? Yes. Under KRS 411.051, a sufficient written demand must be delivered before commencement of the action and must identify the statements, explain their falsity, and set out facts.[^2] ## Media Liability in Other States - [Alabama](/coverage/media/alabama) - [Alaska](/coverage/media/alaska) - [Arizona](/coverage/media/arizona) - [Arkansas](/coverage/media/arkansas) - [California](/coverage/media/california) - [Colorado](/coverage/media/colorado) - [Connecticut](/coverage/media/connecticut) - [Delaware](/coverage/media/delaware) - [District of Columbia](/coverage/media/district-of-columbia) - [Florida](/coverage/media/florida) - [Georgia](/coverage/media/georgia) - [Hawaii](/coverage/media/hawaii) - [Idaho](/coverage/media/idaho) - [Illinois](/coverage/media/illinois) - [Indiana](/coverage/media/indiana) - [Iowa](/coverage/media/iowa) - [Kansas](/coverage/media/kansas) - [Louisiana](/coverage/media/louisiana) - [Maine](/coverage/media/maine) - [Maryland](/coverage/media/maryland) - [Massachusetts](/coverage/media/massachusetts) - [Michigan](/coverage/media/michigan) - [Minnesota](/coverage/media/minnesota) - [Mississippi](/coverage/media/mississippi) - [Missouri](/coverage/media/missouri) - [Montana](/coverage/media/montana) - [Nebraska](/coverage/media/nebraska) - [Nevada](/coverage/media/nevada) - [New Hampshire](/coverage/media/new-hampshire) - [New Jersey](/coverage/media/new-jersey) - [New Mexico](/coverage/media/new-mexico) - [New York](/coverage/media/new-york) - [North Carolina](/coverage/media/north-carolina) - [North Dakota](/coverage/media/north-dakota) - [Ohio](/coverage/media/ohio) - [Oklahoma](/coverage/media/oklahoma) - [Oregon](/coverage/media/oregon) - [Pennsylvania](/coverage/media/pennsylvania) - [Rhode Island](/coverage/media/rhode-island) - [South Carolina](/coverage/media/south-carolina) - [South Dakota](/coverage/media/south-dakota) - [Tennessee](/coverage/media/tennessee) - [Texas](/coverage/media/texas) - [Utah](/coverage/media/utah) - [Vermont](/coverage/media/vermont) - [Virginia](/coverage/media/virginia) - [Washington](/coverage/media/washington) - [West Virginia](/coverage/media/west-virginia) - [Wisconsin](/coverage/media/wisconsin) - [Wyoming](/coverage/media/wyoming) [Other Coverage in Kentucky](/coverage/states/kentucky) ## Sources [^1]: [Kentucky Revised Statutes §413.140, Actions to be brought within one year](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=58050) — Kentucky Legislative Research Commission; Subsection (1)(d) expressly lists libel or slander; current text effective July 15, 2026, with the 2026 amendment history reviewed.. Accessed 2026-09-28. [^2]: [Kentucky Revised Statutes §411.051, Libel actions against newspaper, magazine, or periodical](https://apps.legislature.ky.gov/law/Statutes/statute.aspx?id=17757) — Kentucky Legislative Research Commission; Full current section, subsections (1)–(5): actual damages, correction mitigation, written pre-suit demand elements, correction definition and issue-cycle timing; section history states effective July 15, 1996.. Accessed 2026-09-28. [^3]: [Kentucky Department of Insurance](https://insurance.ky.gov/ppc/new_default.aspx) — Kentucky Department of Insurance; Homepage and consumer telephone. Accessed 2026-09-28. [^4]: [Insurance License Lookup](https://insurance.ky.gov/ppc/Agent/Default.aspx) — Kentucky Department of Insurance; State-designated producer/company search. Accessed 2026-09-28. [^5]: [File an Insurance Complaint](https://insurance.ky.gov/ppc/forms/complaints_home.aspx) — Kentucky Department of Insurance; Official DOI consumer complaint page accepts complaints involving general liability and disputes with insurers, agents or adjusters. Accessed 2026-09-28. [^6]: [KRS 304.10-180](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=48240) — Kentucky General Assembly; KRS 304.10-180(1): Kentucky-home-state; 3% applies to premiums, assessments, fees, charges or other premium consideration; local premium tax is separate. Accessed 2026-09-28. [^7]: [Local Government Premium Taxes](https://insurance.ky.gov/ppc/new_default.aspx?divid=13) — Kentucky Department of Insurance; Current local tax schedules. Accessed 2026-09-28. [^8]: [KRS 304.10-090](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=16989) — Kentucky General Assembly; KRS 304.10-090 requires policy notice that nonadmitted insurer is not a Kentucky Insurance Guaranty Association member and its benefits are unavailable upon insolvency. Accessed 2026-09-28. [^9]: [KRS 136.392](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=50265) — Kentucky General Assembly; KRS 136.392(1),(5)-(6): $1.80 per $100 on premium/other charges for Kentucky risks; named government/nonprofit exceptions; multistate nonadmitted risks exempt. Accessed 2026-09-28. [^10]: [Surplus Lines](https://insurance.ky.gov/ppc/new_default.aspx?divid=24) — Kentucky Department of Insurance; Full page states licensed surplus-lines brokers must make a diligent effort to place with an admitted carrier before exporting coverage. Accessed 2026-09-28. [^11]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^12]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^13]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^14]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^15]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^17]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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