The Kentucky Association of Counties All Lines Fund (hereinafter “KALF”) requests proposals from qualified insurance agencies to, as directed from time to time by KALF, provide the insurance marketing services outlined below for the coverages offered by KALF within the Commonwealth of Kentucky. 

About KALF

KALF is a property and casualty self-insurance group that was created in 1987 and is comprised of counties, political subdivisions and other governmental entities in the Commonwealth of Kentucky pursuant to Subtitle 48 of the Kentucky Insurance Code (KRS Chapter 304).  KALF is managed by its Board of Trustees (hereinafter “KALF Board”) and is administered by the Kentucky Association of Counties, Inc. (hereinafter “KACo”).

The direct written premium for KALF for all lines of coverage is approximately $81 million.  KALF’s membership consists of 116 of the 120 county governing bodies in the Commonwealth of Kentucky and over 750 related government entities.  KALF places a strong emphasis on member satisfaction and maintains nearly 100% county member retention year after year.  The program maintains a 24-hour dedicated claims service, as well as safety and loss control services. All members in the KALF program renew on July 1.

The current lines of coverage provided by KALF include property, auto physical damage, employee dishonesty. general liability, public officials liability, employment practices liability, law enforcement liability, auto liability and cyber liability.

Proposed Contract Terms and Conditions

The proposed contract period, with a 7.5% commission rate, shall be for four (4) years, commencing July 1, 2027, with two (2) four (4) year renewal options upon agreement of the parties. The successful respondent will be expected to execute a contract with KALF substantially similar to the sample Regional Agent Marketing Agreement. 

The duties and responsibilities of the successful respondent shall, at the direction of KALF and subject to final agreement of the parties, include:

• Provide insurance services to Territory D, including but not limited to, the solicitation and retention of public sector insurance clients.  KALF, through its program administrator, KACo, shall at all times retain the right to re-assign accounts within the Territory map as needed during this period;
• Attend KALF monthly board meetings;
• Attend KACo quarterly board meetings as available;
• Consult with the KACo Insurance Director and staff;
• Comply with the provisions of the Regional Agent Marketing Agreement entered into between KALF and the successful respondent substantially similar to the agreement attached hereto; and
• Other duties as assigned.

Responses to this solicitation should include:

• Name and address of your firm, primary contact person and their telephone number;
• Brief history of your firm;
• Identify the individuals who would have significant responsibilities for servicing the account, including the key person(s) who would be communicating with our organization, including detailed biographies of such persons;
• Firm qualifications and experience in providing similar services;
• List of any potential conflicts of interest;
• List of clients for which the firm provides similar services, including name, title, and telephone number of each reference;
• Experience in the public entity property and casualty insurance business--a minimum 10 years is preferred;
• Experience with, and knowledge of, local government operations in KY;
• Familiarity and experience with the make-up and operation of self-insured insurance pools;
• Familiarity with distinctive coverages offered through KACo's self-insurance programs;
• Familiarity with safety and loss control tools;
• Availability to promote and support the insurance needs of the assigned territory, not only during normal business hours, but nights and weekends if needed; and
• Description as to how KALF services will be provided to regional territory clients, including, but not limited to, staffing and resources that may be allocated to this service; and
• Any additional information that you feel is relevant.

Miscellaneous

Each respondent must independently evaluate all information provided by KALF. KALF makes no representations or warranties regarding any information presented in this solicitation, or otherwise made available during this procurement process, and assumes no responsibility for conclusions or interpretations derived from such information. In addition, KALF will not be bound by or be responsible for any explanation or conclusions regarding this solicitation or any related documents other than those provided by an addendum issued by KALF. Respondents may not rely on any oral statement by KALF or its agents, advisors, or consultants. If a respondent identifies potential errors or omissions in this solicitation or any other related documents, the respondent should immediately notify KACo Insurance Director Jeremy Baird.

This solicitation does not constitute an offer by KALF. No binding contract, obligation to negotiate, or any other obligation shall be created on the part of KALF unless KALF and  the successful respondent execute a written contract. No recommendations or conclusions from this solicitation process concerning the respondent shall constitute a right (property or otherwise) under the Constitution of the United States or under the Constitution, case law, or statutory law of Kentucky.

All Proposal elements (including all statements, claims, declarations, prices, and specifications) shall be considered firm and irrevocable for purposes of future contract negotiations unless specifically waived in writing by KALF. The respondent chosen for award should be prepared to have its proposal and any relevant correspondence incorporated into the written contract, either in part or in its entirety, at KALF's election.

KALF provides equal opportunity for all businesses and does not discriminate against any respondent regardless of race, color, religion, age, sex, and national origin or disability.

No advertising, sales promotion or other materials of any respondent or its agents or representatives may identify or reference KALF or KACo in any manner absent the prior written consent of KALF or KACo.

Respondents may change or withdraw a previously submitted proposal at any time prior to the proposal due date. Withdraw should be directed to Mr. Baird in writing.

Respondents or their authorized representatives must fully inform themselves as to all conditions, requirements and specifications of this solicitation before submitting proposals. Failure to do so will be at the respondent’s own risk.

Schedule and process

Responses shall be submitted by email to procurement@kaco.org and must be received no later than 4:00 p.m. EST on Monday, November 9, 2026, to be considered.  A public opening of responses will be conducted at 9:00 a.m. on November 10, 2026, at the KACo Offices located at 400 Englewood Drive, Frankfort, Kentucky 40601. KALF anticipates that the award, if any, to the successful respondent will be made on or before Friday, January 29, 2027, and all responses shall be valid through that date. Additional information regarding this solicitation may be obtained by contacting Jeremy Baird, KACo Director of Insurance, at (502) 223-7667 or jeremy.baird@kaco.org. 

KALF reserves the right to:

• Utilize additional information contained within any response;
• Waive irregularities in any response;
• Reject any or all responses; and
• Negotiate with any party regarding their response.

Solicitation posted October 29, 2026.