Hey GREEN-N-GROW here. I jst got mine the other day. I got it through my agent that carries all of my other insurance. It was Shelter Insurance. They had to go through a broker out of Lexington called Equity. Which inturn wrote the policy on Scottsdale. The cost was $800.00 per year. It covers what you need for KY. The only thing now is if they will enforce the law. WE have so many guys out there mowing and spraying that don't carry any insurance. Especially the guys mowing and using a back spray with Roundup.